# EDGAR Filing Document

**Accession Number:** 0001985525
**File Stem:** 0001999371-25-015952
**Filing Date:** 2025-10
**Character Count:** 5376190
**Document Hash:** 5acee539e6cf7ebf494e72edfec25697
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-015952.hdr.sgml**: 20251023

**ACCESSION NUMBER**: 0001999371-25-015952

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

**PUBLIC DOCUMENT COUNT**: 10

**CONFORMED PERIOD OF REPORT**: 20251023

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

**FILED AS OF DATE**: 20251023

**DATE AS OF CHANGE**: 20251023

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Hildene-CCC Depositor, LLC
- **CENTRAL INDEX KEY:** 0001985525

**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:** 025-06618
- **FILM NUMBER:** 251413821

**BUSINESS ADDRESS:**
- **STREET 1:** 333 LUDLOW STREET
- **STREET 2:** SOUTH TOWER, 5TH FLOOR
- **CITY:** STAMFORD
- **STATE:** CT
- **ZIP:** 06902
- **BUSINESS PHONE:** 203-517-2509

**MAIL ADDRESS:**
- **STREET 1:** 333 LUDLOW STREET
- **STREET 2:** SOUTH TOWER, 5TH FLOOR
- **CITY:** STAMFORD
- **STATE:** CT
- **ZIP:** 06902
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Hildene-CCC Depositor, LLC
- **CENTRAL INDEX KEY:** 0001985525

**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:** 333 LUDLOW STREET
- **STREET 2:** SOUTH TOWER, 5TH FLOOR
- **CITY:** STAMFORD
- **STATE:** CT
- **ZIP:** 06902
- **BUSINESS PHONE:** 203-517-2509

**MAIL ADDRESS:**
- **STREET 1:** 333 LUDLOW STREET
- **STREET 2:** SOUTH TOWER, 5TH FLOOR
- **CITY:** STAMFORD
- **STATE:** CT
- **ZIP:** 06902

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

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

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to _______.

Date of Report (Date of earliest event reported): _____________ <br> Commission File Number of securitizer: _____________ <br> Central Index Key Number of securitizer: _____________

Name and telephone number, including area code, of the person 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)(1) [ ]

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

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

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

Central Index Key Number of depositor: <u>0001985525</u>

Cross 2025-H8 Mortgage Trust

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

Central Index Key Number of issuing entity:

Justin Gregory, (203) 517-2519

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

**INFORMATION TO BE INCLUDED IN THE REPORT**

---

| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

---

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.

Dated: October 23, 2025

---

| | |
|:---|:---|
| Hildene-CCC Depositor, LLC | Hildene-CCC Depositor, LLC |
| (Depositor) | (Depositor) |
| By: | /s/ Justin Gregory |
| Name: | Justin Gregory |
| Title: | Vice President |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

99.1 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

[Schedule 1 - Form ABS Due Diligence-15E](ex99-1s1.htm)

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

[Schedule 3 - Exception Grades](ex99-1s3.htm)

[Schedule 4 - Valuation Report](ex99-1s4.htm)

[Schedule 5 - Supplemental Data](ex99-1s5.htm)

[Schedule 6 - Business Purpose Report](ex99-1s6.htm)

[Schedule 7 - Data Compare Report](ex99-1s7.htm)

## Exhibit 99.1

[Cross 2025-H8 Mortgage Trust ABS-15G](cross-abs15g.htm)

**Exhibit 99.1 - Schedule 1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third-party due diligence services** 

Legal Name: <u>AMC Diligence, LLC</u>

Business Name (if Different):  

Principal Business Address: <u>150 East 52<sup>nd</sup> Street, Suite 4002, New York, NY 10022</u>

**Item 2: Identity of the person who paid the person to provide due diligence services** 

Legal Name: <u>Hildene-CCC Loan Acquisition, LLC </u>

Business Name (If Different):  

Principal Business Address: <u>333 Ludlow Street, South Tower, 5<sup>th</sup> Floor, Stamford, CT 06902</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**Item 4: Description of the due diligence performed**

See attached.

**Item 5: Summary of findings and conclusions of review**

See attached.

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**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1: <u> AMC Diligence, LLC</u>

(Print name of duly authorized person)

By: <u>Lindsay Latimer</u>

Signature: <u>*Lindsay Latimer*</u>

Date: <u>10/22/2025</u>

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**Item 4. Description of the due diligence performed.**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by CrossCountry Mortgage, LLC or its affiliates, or other parties for the review and benefit of Hildene-CCC Loan Acquisition, LLC (the "Client"). The Review was conducted from February 2025 through October 2025 on mortgage loans with origination dates from February 2025 to September 2025 via files imaged and provided by the Client for review. The Review included loans reviewed under the Credit and Compliance Scope (641 mortgage loans) and the Leases Review Scope (370 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Review Scope) are together referred to as the Loans.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The Review contained one thousand eleven (1,011) loans totaling an aggregate original principal balance of approximately $496.636 million.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Refi Purpose |  |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Representative FICO |  |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;State |  |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Street |  |

---

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

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

**<u>CREDIT REVIEW (641 Loans)</u>**

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

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

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**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, 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:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

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

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

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

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

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

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

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate

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

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

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

**<u>LEASES REVIEW (370 Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

**Credit Application:** For the Credit Application, AMC will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC will verify the borrowing entity, if not an individual, is properly documented. In addition, AMC will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

**Valuation Review:** AMC's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the

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appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review will (i) 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; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**Asset Review:** AMC will assess whether the asset documentation required by the guidelines is present in the file. AMC will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure 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; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check 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.

**<u>DATA COLLECTION</u>**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (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, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed

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by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

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

In instances where one appraisal is completed, the CU score must be reviewed. The CU score must be less than or equal to 2.5. If the CU score exceeds 2.5, a CDA supporting value must be provided. When an appraisal is transferred to the originating creditor from another lender, a CDA must be completed on that appraisal regardless of the CU score. The variance between the CDA and appraisal must be less than or equal to 10%. If it is greater than 10%, an additional appraisal review product must be completed. In instances where two appraisals are completed, additional review products are not required except as otherwise specified but may be provided at the discretion of the Seller.

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

**<u>COMPLIANCE REVIEW (641 Loans)</u>**

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

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

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond

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the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

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

---

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed

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an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

**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 NRSROs listed in Item 3 above.

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![](ex991001.jpg)

**OVERALL REVIEW RESULTS SUMMARY**

Of the one thousand eleven (1,011) loans reviewed, all one thousand eleven (1,011) loans (100.00%) received an Overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;674 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;337 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Note the three hundred seventy (370) Leases were not assigned a Compliance grade. Of the remaining six hundred forty- one (641) loans reviewed for compliance, all six hundred forty- one (641) loans (100.00%) subjected to a compliance review received an "A" or "B" Compliance grade.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance Review Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;506 | &nbsp;&nbsp;50.05% | &nbsp;&nbsp;78.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;135 | &nbsp;&nbsp;13.35% | &nbsp;&nbsp;21.06% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;370 | &nbsp;&nbsp;36.60% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All one thousand eleven (1,011) loans reviewed received an "A" or "B" Credit grade, and seven hundred sixty-five (765) or 75.67% received an "A" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;765 | &nbsp;&nbsp;75.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;246 | &nbsp;&nbsp;24.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the one thousand eleven (1,011) loans reviewed, all one thousand eleven (1,011) loans (100%) received an "A" Property grade.

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![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1011 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one thousand eleven (1,011) Loans reviewed, one thousand ten (1,010) Loans had two thousand eight hundred ninety-two (2,892) different tape discrepancies across twenty (20) data fields (some Loans had more than one data delta). The most variances were found on Maturity Date, Margin and Contract Sales Price. Investor: Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes. Investor: Qualifying Total Debt Ratio variances that were less than or equal to 300 basis points of absolute value are not included in the population below.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;6 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;163 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;16.12% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;170 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;16.82% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.10% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;398 | &nbsp;&nbsp;768 | &nbsp;&nbsp;51.82% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;81 | &nbsp;&nbsp;543 | &nbsp;&nbsp;14.92% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;16 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;1.58% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;513 | &nbsp;&nbsp;1010 | &nbsp;&nbsp;50.79% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1009 | &nbsp;&nbsp;1010 | &nbsp;&nbsp;99.90% |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;296 | &nbsp;&nbsp;1006 | &nbsp;&nbsp;29.42% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.10% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;75 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;7.42% |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;335 | &nbsp;&nbsp;2.69% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;69 | &nbsp;&nbsp;990 | &nbsp;&nbsp;6.97% |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;21 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;52 | &nbsp;&nbsp;316 | &nbsp;&nbsp;16.46% |

---

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![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2892** | &nbsp;&nbsp;**23172** | &nbsp;&nbsp;**12.48%** |

---

**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;175 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***234*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**234** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;299 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Investment Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***318*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**318** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**552** |

---

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

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;936 | &nbsp;&nbsp;92.58% | &nbsp;&nbsp;$446683451.00 | &nbsp;&nbsp;89.94% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;75 | &nbsp;&nbsp;7.42% | &nbsp;&nbsp;$49952262.00 | &nbsp;&nbsp;10.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$496635713.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1011 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$496635713.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$496635713.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1059000.00 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;250 | &nbsp;&nbsp;24.73% | &nbsp;&nbsp;$113704850.00 | &nbsp;&nbsp;22.90% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.10% | &nbsp;&nbsp;$720000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;89 | &nbsp;&nbsp;8.80% | &nbsp;&nbsp;$43113976.00 | &nbsp;&nbsp;8.68% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;587 | &nbsp;&nbsp;58.06% | &nbsp;&nbsp;$294829691.00 | &nbsp;&nbsp;59.37% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;80 | &nbsp;&nbsp;7.91% | &nbsp;&nbsp;$43208196.00 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$496635713.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$3576530.00 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;995 | &nbsp;&nbsp;98.42% | &nbsp;&nbsp;$491715183.00 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$1344000.00 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$496635713.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;473 | &nbsp;&nbsp;46.79% | &nbsp;&nbsp;$253415976.00 | &nbsp;&nbsp;51.03% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.49% | &nbsp;&nbsp;$2397750.00 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;124 | &nbsp;&nbsp;12.27% | &nbsp;&nbsp;$44963761.00 | &nbsp;&nbsp;9.05% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;34 | &nbsp;&nbsp;3.36% | &nbsp;&nbsp;$13448874.00 | &nbsp;&nbsp;2.71% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;245 | &nbsp;&nbsp;24.23% | &nbsp;&nbsp;$129010636.00 | &nbsp;&nbsp;25.98% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.10% | &nbsp;&nbsp;$548000.00 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$1550000.00 | &nbsp;&nbsp;0.31% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;28 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$7902660.00 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;51 | &nbsp;&nbsp;5.04% | &nbsp;&nbsp;$19675806.00 | &nbsp;&nbsp;3.96% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;$10151900.00 | &nbsp;&nbsp;2.04% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;17 | &nbsp;&nbsp;1.68% | &nbsp;&nbsp;$11413150.00 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$2157200.00 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$496635713.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;473 | &nbsp;&nbsp;46.79% | &nbsp;&nbsp;$290358578.00 | &nbsp;&nbsp;58.47% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;482 | &nbsp;&nbsp;47.68% | &nbsp;&nbsp;$178496892.00 | &nbsp;&nbsp;35.94% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;56 | &nbsp;&nbsp;5.54% | &nbsp;&nbsp;$27780243.00 | &nbsp;&nbsp;5.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1011** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$496635713.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.1

[Cross 2025-H8 Mortgage Trust ABS-15G](cross-abs15g.htm)

**Exhibit 99.1 - Schedule 2**

![](situs-logo.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 10/23/2025 9:29:01 AM** | **Run Date - 10/23/2025 9:29:01 AM** | **Run Date - 10/23/2025 9:29:01 AM** | **Run Date - 10/23/2025 9:29:01 AM** | **Run Date - 10/23/2025 9:29:01 AM** | **Run Date - 10/23/2025 9:29:01 AM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 222952816 | [Redacted] | [Redacted] |  |  | C | C | A | C | B | B | A | B |  |
| 223312311 | [Redacted] | [Redacted] |  |  | C |  | A | C | A |  | A | A |  |
| 223312377 | [Redacted] | [Redacted] |  |  | A |  | A | A | A |  | A | A |  |
| 223368071 | [Redacted] | [Redacted] |  |  | C |  | A | C | A |  | A | A |  |
| 223377213 | [Redacted] | [Redacted] |  |  | C |  | A | C | A |  | A | A |  |
| 223393773 | [Redacted] | [Redacted] |  |  | C |  | A | C | A |  | A | A |  |
| 223464737 | [Redacted] | [Redacted] |  |  | A | A | A | A | A | A | A | A |  |
| 223479684 | [Redacted] | [Redacted] |  |  | C |  | A | C | A |  | A | A |  |
| 223479727 | [Redacted] | [Redacted] |  |  | C |  | A | C | A |  | A | A |  |
| 223493792 | [Redacted] | [Redacted] |  |  | C | C | A | C | A | A | A | A |  |
| 223512426 | [Redacted] | [Redacted] |  |  | C |  | A | C | A |  | A | A |  |
| 223518897 | [Redacted] | [Redacted] |  |  | C | A | A | C | A | A | A | A |  |
| 223538274 | [Redacted] | [Redacted] |  |  | A | C | A | C | A | A | A | A |  |
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---

## Exhibit 99.1

[Cross 2025-H8 Mortgage Trust ABS-15G](cross-abs15g.htm)

**Exhibit 99.1 - Schedule 3**

![](situs-logo.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/23/2025 9:29:02 AM** | **Run Date - 10/23/2025 9:29:02 AM** | **Run Date - 10/23/2025 9:29:02 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 222952816 | [Redacted] | [Redacted] |  | 32931982 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Issue date missing on the Final Closing Disclosure dated [redacted] |  |  |  | Reviewer Comment (2025-03-06): [redacted] Received LOA<br>Buyer Comment (2025-03-05): Memo | 03/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| 222952816 | [Redacted] | [Redacted] |  | 32931984 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Verification Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Verification Fee disclosed as [redacted] on Loan Estimate dated [redacted] but disclosed as [redacted] on Final Closing Disclosure. No COC in file. |  |  |  | Reviewer Comment (2025-03-13): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-03-12): PCCD Pkg |  | 03/13/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222952816 | [Redacted] | [Redacted] |  | 32931985 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of Right to Cancel occurs prior to expected date [redacted] |  |  |  | Reviewer Comment (2025-03-18): Revised RTC document received with the shipping details, exception cleared.<br>Buyer Comment (2025-03-17): RTC/Recission documentation<br>Reviewer Comment (2025-03-10): Unable to clear. The transaction/notary date is [redacted] and notice of right to cancel is [redacted], prior to excepted date of [redacted].<br>Buyer Comment (2025-03-05): Please see memo uploaded today | 03/18/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 222952816 | [Redacted] | [Redacted] |  | 32942315 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of [redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing may be unreliable. Closing Disclosure dated [redacted]used to source fees for testing. | Issue date missing on the Final Closing Disclosure dated [redacted] |  |  |  | Reviewer Comment (2025-03-06): [redacted] Received LOA<br>Buyer Comment (2025-03-05): Please see memo uploaded today | 03/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222952816 | [Redacted] | [Redacted] |  | 32944601 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | WVOE is dated [redacted] with a note date of [redacted], more than [redacted] business days from the note | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-24): Exception for VVOE<br>Reviewer Comment (2025-03-26): Received Current Paystub is not acceptable for verification of employment . We would require Verbal verification of employment document within [redacted] business days of closing. Exception remains<br>Buyer Comment (2025-03-26): Please see attached paystub dated within [redacted] days of closing, showing active employment. |  |  | 04/28/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222952816 | [Redacted] | [Redacted] |  | 32944604 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay [redacted]: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to VOE dated more than [redacted] business days from the note date |  |  |  | Reviewer Comment (2025-05-13): Client elects to waive.<br>Reviewer Comment (2025-05-13): Downgraded to EV2.<br>Reviewer Comment (2025-05-13): Regraded to EV2-B based on lender confirming that pre-close paystubs were used in lieu of pre-close VOE for employment verification.<br>Buyer Comment (2025-05-13): Please update to reflect that we relied on pre-close paystubs in lieu of the guideline requirement<br>Reviewer Comment (2025-05-09): Received duplicate verification with a date of [redacted].<br> Documentation does not clear condition.<br>Buyer Comment (2025-05-07): VOE<br>Reviewer Comment (2025-04-28): Received lender exception for VOE outside lender's guideline. The lender exception provided indicates that they are relying on post-close paystubs. In this case, the loan would remain as it currently is at an EV-3 ATR Risk. If the lender indicated they relied on pre-close paystubs in lieu of not meeting their guideline requirement, we would be looking at an EV-2 ATR Risk. With the current lender exception in file, that would not be the case here.<br>Buyer Comment (2025-04-28): Please clear [redacted] condition as exception was provided for VVOE<br>Reviewer Comment (2025-03-26): Received Current Paystub is not acceptable for verification of employment . We would require Verbal verification of employment document within [redacted] business days of closing. Exception remains<br>Buyer Comment (2025-03-26): Please see paystub uploaded today |  |  | 05/13/2025 | 2 B C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 222952816 | [Redacted] | [Redacted] |  | 32944605 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay [redacted] There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to VOE dated more than [redacted] business days from the note date |  |  |  | Reviewer Comment (2025-05-13): Client elects to waive.<br>Reviewer Comment (2025-05-13): Downgraded to EV2.<br>Reviewer Comment (2025-05-13): Regraded to EV2-B based on lender confirming that pre-close paystubs were used in lieu of pre-close VOE for employment verification.<br>Buyer Comment (2025-05-13): Please update to reflect that we relied on pre-close paystubs in lieu of the guideline requirement<br>Reviewer Comment (2025-05-09): Received duplicate verification with a date of [redacted]. <br> Documentation does not clear condition.<br>Buyer Comment (2025-05-07): Please review VOE provided today and clear<br>Reviewer Comment (2025-04-28): Received lender exception for VOE outside lender's guideline. The lender exception provided indicates that they are relying on post-close paystubs. In this case, the loan would remain as it currently is at an EV-3 ATR Risk. If the lender indicated they relied on pre-close paystubs in lieu of not meeting their guideline requirement, we would be looking at an EV-2 ATR Risk. With the current lender exception in file, that would not be the case here.<br>Buyer Comment (2025-04-28): Please clear [redacted] condition as exception was provided for VVOE<br>Reviewer Comment (2025-03-26): Received Current Paystub is not acceptable for verification of employment . We would require Verbal verification of employment document within [redacted] business days of closing. Exception remains<br>Buyer Comment (2025-03-26): Please see paystub uploaded today |  |  | 05/13/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222952816 | [Redacted] | [Redacted] |  | 32944607 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [redacted] due to VOE dated more than [redacted] business days from the note date |  |  |  | Reviewer Comment (2025-05-13): Client elects to waive.<br>Reviewer Comment (2025-05-13): Downgraded to EV2.<br>Reviewer Comment (2025-05-13): Regraded to EV2-B based on lender confirming that pre-close paystubs were used in lieu of pre-close VOE for employment verification.<br>Buyer Comment (2025-05-13): Please update to reflect that we relied on pre-close paystubs in lieu of the guideline requirement<br>Reviewer Comment (2025-05-09): Received duplicate verification with a date of [redacted]. <br> Documentation does not clear condition.<br>Buyer Comment (2025-05-07): Please review VOE provided today and clear<br>Reviewer Comment (2025-04-28): Received lender exception for VOE outside lender's guideline. The lender exception provided indicates that they are relying on post-close paystubs. In this case, the loan would remain as it currently is at an EV-3 ATR Risk. If the lender indicated they relied on pre-close paystubs in lieu of not meeting their guideline requirement, we would be looking at an EV-2 ATR Risk. With the current lender exception in file, that would not be the case here.<br>Buyer Comment (2025-04-28): Please clear [redacted] condition as exception was provided for VVOE<br>Reviewer Comment (2025-03-26): Received Current Paystub is not acceptable for verification of employment . We would require Verbal verification of employment document within [redacted] business days of closing. Exception remains<br>Buyer Comment (2025-03-26): Please see paystub uploaded today |  |  | 05/13/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222952816 | [Redacted] | [Redacted] |  | 32944658 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay [redacted]: Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to VOE dated more than [redacted] business days from the note date |  |  |  | Reviewer Comment (2025-05-13): Client elects to waive.<br>Reviewer Comment (2025-05-13): Downgraded to EV2.<br>Reviewer Comment (2025-05-13): Regraded to EV2-B based on lender confirming that pre-close paystubs were used in lieu of pre-close VOE for employment verification.<br>Buyer Comment (2025-05-13): Please update to reflect that we relied on pre-close paystubs in lieu of the guideline requirement<br>Reviewer Comment (2025-05-09): Received duplicate verification with a date of [redacted]. <br> Documentation does not clear condition.<br>Buyer Comment (2025-05-07): Please review VOE provided today and clear<br>Reviewer Comment (2025-04-28): Received lender exception for VOE outside lender's guideline. The lender exception provided indicates that they are relying on post-close paystubs. In this case, the loan would remain as it currently is at an EV-3 ATR Risk. If the lender indicated they relied on pre-close paystubs in lieu of not meeting their guideline requirement, we would be looking at an EV-2 ATR Risk. With the current lender exception in file, that would not be the case here.<br>Buyer Comment (2025-04-28): Please clear [redacted] condition as exception was provided for VVOE<br>Reviewer Comment (2025-03-26): Received Current Paystub is not acceptable for verification of employment . We would require Verbal verification of employment document within [redacted] business days of closing. Exception remains<br>Buyer Comment (2025-03-26): Please see paystub uploaded today |  |  | 05/13/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223312311 | [Redacted] | [Redacted] |  | 33381623 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing |  |  |  | Reviewer Comment (2025-05-09): Received Non-QM Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-05-08): Business Purpose Cert. | 05/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223312311 | [Redacted] | [Redacted] |  | 33398100 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage is insufficient. The file contains [redacted] fair plan policies covering [redacted] . It appears the policy for [redacted] is missing. |  |  |  | Reviewer Comment (2025-05-08): Provided hazard insurance policy for[redacted] with coverage amount of $[redacted] . Exception cleared.<br>Buyer Comment (2025-05-06): Insurance | 05/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223312311 | [Redacted] | [Redacted] |  | 33398107 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  | Loan appears to be an IO transaction, however the note is not an IO Note. Please provide a corrected IO note. |  |  |  | Reviewer Comment (2025-09-08): Received Corrected IO note. Exception Cleared.<br>Buyer Comment (2025-09-05): Corrected Note | 09/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223312311 | [Redacted] | [Redacted] |  | 33455813 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Data Discrepancy: IO |  |  |  | Reviewer Comment (2025-09-09): Cleared. Received correct note.<br>Buyer Comment (2025-09-05): Corrected Note<br>Reviewer Comment (2025-05-20): The corrected note is not located in the file.<br>Buyer Comment (2025-05-19): Please waive; Missing NOTE addendum should update [redacted] data to [redacted] | 09/09/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223368071 | [Redacted] | [Redacted] |  | 33435649 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Corrective note to remove "as Managing Member" from the individual borrower signature line is required. The borrower signed as an individual and as managing member of the business entity borrower. The "as Managing Member" addition on the individual signature line is incorrect and should be removed. |  |  |  | Reviewer Comment (2025-09-19): Borrower signed as individual and added managing member himself. Ok to clear.<br>Reviewer Comment (2025-07-02): We will need a corrected note, a destroyed note affidavit and an LOE to the borrower. | 09/19/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223377213 | [Redacted] | [Redacted] |  | 33507410 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing for the subject property. |  |  |  | Reviewer Comment (2025-05-30): Provided executed lease agreement of subject property. Exception cleared.<br>Buyer Comment (2025-05-29): Please see attached | 05/30/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223377213 | [Redacted] | [Redacted] |  | 33522991 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The [redacted] checklist is missing from the file. |  |  |  | Reviewer Comment (2025-06-04): Received [redacted] checklist. Exception Cleared.<br>Buyer Comment (2025-06-02): See attached<br>Reviewer Comment (2025-05-30): HOI coverage is insufficient by $[redacted] . Property is in [redacted] state. Per available hazard policy, extended coverage is included however complete policy is not provided. Provide complete policy or the [redacted] state checklist for replacement cost. Exception remains.<br>Buyer Comment (2025-05-29): Please clarify which property this is for. | 06/04/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223393773 | [Redacted] | [Redacted] |  | 33457196 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Business Purpose Certificate provided is not signed. |  |  |  | Reviewer Comment (2025-06-05): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-04): See attached | 06/05/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223393773 | [Redacted] | [Redacted] |  | 33474817 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The lease agreement provided reflects an error in term of [redacted] to [redacted] Please provide correct lease term dates. |  |  |  | Reviewer Comment (2025-06-10): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-06-06): Attached-date error on lease agreement, end date should have been [redacted] not [redacted] as that would have ended the lease before it began. Renters have been in place and paying rent as evidenced by rental/deposit credits on the HUD doc [redacted]<br>Reviewer Comment (2025-06-05): Received lease agreement for [redacted] . Require lease agreement for [redacted] . Exception Remains.<br>Buyer Comment (2025-06-03): See attached<br>Reviewer Comment (2025-05-21): A lease agreement is required for the property at [redacted] Exceptions remain.<br>Buyer Comment (2025-05-20): Please provide information regarding which property this is for, there are several. | 06/10/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223479684 | [Redacted] | [Redacted] |  | 33559796 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing Articles of Organization for borrowing business entity. |  |  |  | Reviewer Comment (2025-06-06): Cleared. Document received.<br>Buyer Comment (2025-06-05): Please see attached | 06/06/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223479684 | [Redacted] | [Redacted] |  | 33559798 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing Corporate Resolution/Unanimous Consent and Resolution to Borrow for borrowing business entity. |  |  |  | Reviewer Comment (2025-06-06): Cleared. Document received. | 06/06/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223479684 | [Redacted] | [Redacted] |  | 33559799 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Missing Employer Identification Number for borrowing entity. |  |  |  | Reviewer Comment (2025-06-06): Cleared. Document received. | 06/06/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223479684 | [Redacted] | [Redacted] |  | 33559801 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement for borrowing entity. |  |  |  | Reviewer Comment (2025-06-06): Cleared. Document received. | 06/06/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223479684 | [Redacted] | [Redacted] |  | 33560049 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date [redacted] is after the Note date [redacted] |  |  |  | Reviewer Comment (2025-06-09): Received Hazard Insurance Policy. Exception cleared.<br>Buyer Comment (2025-06-06): Please see attached | 06/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223479727 | [Redacted] | [Redacted] |  | 33548309 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing Corporate Resolution for borrowing entity. |  |  |  | Reviewer Comment (2025-06-06): doc uploaded.<br>Buyer Comment (2025-06-05): See upload | 06/06/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223479727 | [Redacted] | [Redacted] |  | 33548310 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of good standing for borrowing entity. |  |  |  | Reviewer Comment (2025-06-06): Doc was uploaded<br>Buyer Comment (2025-06-05): COGS | 06/06/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223479727 | [Redacted] | [Redacted] |  | 33548316 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  | Missing Articles of Incorporation for borrowing entity. |  |  |  | Reviewer Comment (2025-06-06): Doc was uploaded<br>Buyer Comment (2025-06-05): Articles of Incorporation | 06/06/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223479727 | [Redacted] | [Redacted] |  | 33548327 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Missing Bylaws for borrowing entity. |  |  |  | Reviewer Comment (2025-06-06): Doc was uploaded<br>Buyer Comment (2025-06-05): [redacted] Bylaws | 06/06/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223493792 | [Redacted] | [Redacted] |  | 33591682 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please provide Form [redacted] for the year [redacted] and [redacted] for the year [redacted] for the partnership [redacted] |  |  |  | Reviewer Comment (2025-06-13): Updated exception. This citing is cleared.<br>Buyer Comment (2025-06-11): to upld [redacted] tax extension for [redacted] & K1.for [redacted] | 06/13/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223493792 | [Redacted] | [Redacted] |  | 33591696 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Please provide Form [redacted] for the year [redacted] and[redacted] for the year [redacted] for the partnership [redacted] |  |  |  | Reviewer Comment (2025-09-18): Loan is NonQM.<br>Reviewer Comment (2025-09-16): Loan was submitted as a [redacted] year full doc. All documentation would be required for [redacted] Most recent [redacted] years business tax returns, K1's and third party verification verifying the dates of operation and good standing status.<br>Reviewer Comment (2025-06-20): Loan was submitted as a [redacted] year full doc. Received the [redacted] extension for the borrower's business, however [redacted] years business returns remain missing.<br>Buyer Comment (2025-06-11): to upld [redacted] tax extension for [redacted] & K1.for [redacted] | 09/18/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223493792 | [Redacted] | [Redacted] |  | 33591697 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay ([redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | Please provide Form [redacted] for the year [redacted] and [redacted] for the year [redacted] for the partnership [redacted] |  |  |  | Reviewer Comment (2025-09-18): Lender used P&L's for the borrower's new business started in [redacted] . Tax returns were on extension at the time of closing. Entity captured only to support the loss of the new business. Condition cleared.<br>Reviewer Comment (2025-09-16): Loan was submitted as a [redacted] year full doc. All documentation would be required for[redacted] . Most recent [redacted] years business tax returns, K1's and third party verification verifying the dates of operation and good standing status.<br>Reviewer Comment (2025-06-20): Cleared. Received documentation in trailing docs reflecting business was established in [redacted] therefore [redacted] years tax returns are not available.<br>Reviewer Comment (2025-06-13): Loan was submitted as a [redacted] year full doc. Received the [redacted] extension for the borrower's business, however [redacted] years business returns remain missing.<br>Buyer Comment (2025-06-11): to upld [redacted] tax extension for [redacted] & K1.for [redacted] | 09/18/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223493792 | [Redacted] | [Redacted] |  | 33591698 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Please provide Form [redacted] for the year [redacted] and [redacted] for the year [redacted] for the partnership [redacted] . |  |  |  | Reviewer Comment (2025-06-13): Updated exception. This citing is cleared.<br>Buyer Comment (2025-06-11): to upld [redacted] tax extension for 1065 & K1.for [redacted] | 06/13/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223493792 | [Redacted] | [Redacted] |  | 33591699 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Please provide Form [redacted] for the year [redacted] and [redacted] for the year [redacted] for the partnership [redacted] |  |  |  | Reviewer Comment (2025-09-18): Lender used P&L's for the borrower's new business started in [redacted]. Tax returns were on extension at the time of closing. Entity captured only to support the loss of the new business. Condition cleared.<br>Reviewer Comment (2025-06-13): Update: Loan was submitted as a [redacted] year full doc. Received the [redacted] extension for the borrower's business, however [redacted] years business returns remain missing. | 09/18/2025 |  |  | 1 A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223493792 | [Redacted] | [Redacted] |  | 34478031 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan was submitted as a [redacted] year full doc. All documentation would be required for[redacted] . Most recent [redacted] years business tax returns, [redacted] 's and third party verification verifying the dates of operation and good standing. |  |  |  | Reviewer Comment (2025-09-18): Lender used P&L's for the borrower's new business started in [redacted] . Tax returns were on extension at the time of closing. Entity captured only to support the loss of the new business. Condition cleared. | 09/18/2025 |  |  | 1 A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223493792 | [Redacted] | [Redacted] |  | 34478077 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Loan was submitted as a [redacted] year full doc. All documentation would be required for [redacted] Most recent [redacted] years business tax returns, K1's and third party verification verifying the dates of operation and good standing status. |  |  |  | Reviewer Comment (2025-09-18): Lender used P&L's for the borrower's new business started in [redacted] . Tax returns were on extension at the time of closing. Entity captured only to support the loss of the new business. Condition cleared. | 09/18/2025 |  |  | 1 A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223512426 | [Redacted] | [Redacted] |  | 33613064 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business purpose certificate in file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-19): BPC | 08/20/2025 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| 223512426 | [Redacted] | [Redacted] |  | 33618569 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request:[redacted] - used market rents to qualify. exception for landlord history in file. Lender exception not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-16): Client elected to waive exceptions with compensating factors.<br>Reviewer Comment (2025-06-16): Lender exception provided.<br>Buyer Comment (2025-06-12): Exception Approval | 06/16/2025 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| 223512426 | [Redacted] | [Redacted] |  | 33618577 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Approved.<br> Assets- meets exception requirements and funds to close requirements. <br>Lender approved exception not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-16): Client elected to waive exceptions with compensating factors.<br>Reviewer Comment (2025-06-16): Lender exception provided.<br>Buyer Comment (2025-06-12): See upload | 06/16/2025 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| 223518897 | [Redacted] | [Redacted] |  | 33632276 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: [redacted]. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  |  |  |  |  | Reviewer Comment (2025-06-18): Corrected 1003 provided. Exception Cleared.<br>Buyer Comment (2025-06-17): Borrowers are co signers on daughter home ([redacted]) that debt is documented as its on the credit report and we provided docs showing [redacted] makes the payments so the 1003 was wrong. Corrected 1003 attached | 06/18/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A | N/A | Exempt from ATR | No |
| 223538274 | [Redacted] | [Redacted] |  | 33644185 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence |  |  |  | Reviewer Comment (2025-09-17): Non-QM<br>Reviewer Comment (2025-06-18): Cancelled. Per guidelines, Asset statements used for asset utilization Maximum [redacted] Days prior to Note Date<br>Buyer Comment (2025-06-17): Asset docs should be no more than [redacted] days from the Note date, not [redacted] days. Fidelity statement is dated [redacted] . Loan closed [redacted] and within lending scope. | 09/17/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223538274 | [Redacted] | [Redacted] |  | 33644186 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay ([redacted]): Unable to verity asset depletion income due to, bank statement provided was dated more than [redacted] days prior to closing. | Unable to verity asset depletion income due to, bank statement provided was dated more than [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-09-16): Age of bank statements for AD income meets lender guides. Condition cleared.<br>Reviewer Comment (2025-06-18): Cancelled. Per guidelines, Asset statements used for asset utilization Maximum [redacted] Days prior to Note Date<br>Buyer Comment (2025-06-17): Asset docs should be no more than [redacted] days from the Note date, not [redacted] days. XXXX statement is dated [redacted] Loan closed[redacted] and within lending scope. | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223538274 | [Redacted] | [Redacted] |  | 33644195 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Bank statement used for Asset Depletion not within [redacted] days. |  |  |  | Reviewer Comment (2025-09-16): Age of bank statements for AD income meets lender guides. Condition cleared. | 09/16/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223539254 | [Redacted] | [Redacted] |  | 33635589 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate not provided. |  |  |  | Reviewer Comment (2025-06-16): Business Purpose Certificate is provided. Exception Cleared.<br>Buyer Comment (2025-06-13): business purpose cert | 06/16/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 223620801 | [Redacted] | [Redacted] |  | 33718708 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-06-30): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-26): BPC | 06/30/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223620801 | [Redacted] | [Redacted] |  | 33732548 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | Ho-6 Premium is missing |  |  |  | Reviewer Comment (2025-06-30): Received required documentation. Condition cleared.<br>Buyer Comment (2025-06-26): HOI [redacted] [redacted] | 06/30/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223620868 | [Redacted] | [Redacted] |  | 33733191 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Need clarification for lender exception in file for LTV over [redacted] %. Lender exception in file but per guideline/matrix based on loan amount and credit score [redacted] LTV allowed and no exception required. |  |  |  | Reviewer Comment (2025-07-01): Cleared. Per client, exception was not needed.<br>Buyer Comment (2025-06-27): Please waive; exception was not needed. | 07/01/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223620870 | [Redacted] | [Redacted] |  | 33720233 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] is missing in file. |  |  |  | Reviewer Comment (2025-07-21): Approved lender exception provided to allow CPA letter to account for the guaranteed payments made to the borrower from the P&L.<br>Buyer Comment (2025-07-17): exception uploaded<br>Reviewer Comment (2025-07-02): Based on the lender's write up on the 1008, a 1099 was used for the additional $[redacted] income.. Evidence of this income is missing from the file.<br>Buyer Comment (2025-07-01): appears per guidelines the 1099 is not required----please waive--A profit and loss statement must be provided by CPA, EA, or CTEC that covers the most recent [redacted] - or [redacted] - month period must be provided. The end date of the profit and loss statement must not be more than [redacted] days from the note date. | 07/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33720234 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-07-02): E-sign consent proof received, exception cleared<br>Buyer Comment (2025-07-01): uploaded econsent | 07/02/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33720246 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to missing [redacted] |  |  |  | Reviewer Comment (2025-07-21): Loan is EV2-B ATR Risk.<br>Buyer Comment (2025-07-17): see exception uploaded<br>Reviewer Comment (2025-07-02): Based on the lender's write up on the 1008, a 1099 was used for the additional $[redacted] income.. Evidence of this income is missing from the file.<br>Buyer Comment (2025-07-01): appears per guidelines the 1099 is not required----please waive--A profit and loss statement must be provided by CPA, EA, or CTEC that covers the most recent [redacted] - or [redacted] - month period must be provided. The end date of the profit and loss statement must not be more than [redacted] days from the note date. | 07/21/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223620870 | [Redacted] | [Redacted] |  | 33720247 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay ([redacted]): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Income document ([redacted] is not provided. |  |  |  | Reviewer Comment (2025-07-23): Client elects to waive.<br>Buyer Comment (2025-07-21): can this be cleared?<br>Reviewer Comment (2025-07-21): Regraded to EV2-B based on post-close lender exception allowing for CPA letter in place of guideline required 1099.<br>Buyer Comment (2025-07-17): see exception uploaded<br>Reviewer Comment (2025-07-02): Based on the lender's write up on the 1008, a 1099 was used for the additional $[redacted] income.. Evidence of this income is missing from the file.<br>Buyer Comment (2025-07-01): appears per guidelines the 1099 is not required----please waive--A profit and loss statement must be provided by CPA, EA, or CTEC that covers the most recent [redacted] - or [redacted] - month period must be provided. The end date of the profit and loss statement must not be more than [redacted] days from the note date. | 07/23/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33720248 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Income document ([redacted] is not provided, due to which this exception fired. |  |  |  | Reviewer Comment (2025-07-21): Approved lender exception provided to allow CPA letter to account for the guaranteed payments made to the borrower from the P&L.<br>Buyer Comment (2025-07-17): see exception uploaded<br>Reviewer Comment (2025-07-02): Based on the lender's write up on the 1008, a 1099 was used for the additional $[redacted] income.. Evidence of this income is missing from the file.<br>Buyer Comment (2025-07-01): appears per guidelines the 1099 is not required----please waive--A profit and loss statement must be provided by CPA, EA, or CTEC that covers the most recent [redacted] - or [redacted] - month period must be provided. The end date of the profit and loss statement must not be more than [redacted] days from the note date. | 07/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33720250 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee increased from $[redacted] to $[redacted] , an increase of $[redacted] , without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-07-16): [redacted] received LOE for survey not required by lender.<br>Buyer Comment (2025-07-14): Survey fee moved to [redacted] --see email attached | 07/16/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223620870 | [Redacted] | [Redacted] |  | 33720251 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Income document ([redacted]) is not provided, due to which this exception fired. |  |  |  | Reviewer Comment (2025-07-21): Approved lender exception provided to allow CPA letter to account for the guaranteed payments made to the borrower from the P&L.<br>Buyer Comment (2025-07-17): see exception uploaded<br>Reviewer Comment (2025-07-02): Based on the lender's write up on the 1008, a 1099 was used for the additional $[redacted] income.. Evidence of this income is missing from the file.<br>Buyer Comment (2025-07-01): appears per guidelines the 1099 is not required----please waive--A profit and loss statement must be provided by CPA, EA, or CTEC that covers the most recent [redacted] - or [redacted] - month period must be provided. The end date of the profit and loss statement must not be more than [redacted] days from the note date. | 07/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33720252 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Income document ([redacted]) is not provided, due to which this exception fired. |  |  |  | Reviewer Comment (2025-07-21): Approved lender exception provided to allow CPA letter to account for the guaranteed payments made to the borrower from the P&L.<br>Buyer Comment (2025-07-17): see exception uploaded<br>Reviewer Comment (2025-07-02): Based on the lender's write up on the 1008, a 1099 was used for the additional $[redacted] income.. Evidence of this income is missing from the file.<br>Buyer Comment (2025-07-01): appears per guidelines the 1099 is not required----please waive--A profit and loss statement must be provided by CPA, EA, or CTEC that covers the most recent [redacted] - or [redacted] - month period must be provided. The end date of the profit and loss statement must not be more than [redacted] days from the note date. | 07/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33725493 |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing the Initial [redacted] Rate Lock as required by the client's guidance. |  |  |  | Reviewer Comment (2025-07-02): Initial Rate Lock received, exception cleared.<br>Buyer Comment (2025-07-01): uploaded initial lock | 07/02/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33725561 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to the increase in the recording fee. No valid COC or cure was provided. |  |  |  | Reviewer Comment (2025-07-17): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-16): LOX PCCD LABEL & CURE CHECK |  | 07/17/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223620870 | [Redacted] | [Redacted] |  | 33725672 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal shows [redacted] and Note has [redacted] . |  |  |  | Reviewer Comment (2025-07-08): Received revised appraisal with correct property address with UCDP document, information validated. Exception Cleared.<br>Buyer Comment (2025-07-07): ssr's<br>Buyer Comment (2025-07-07): corrected appraisal | 07/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33886091 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file is illegible. Unable to view what exceptions are being asked for. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-18): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-07-21): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-07-21): Lender exception provided to allow CPA letter to account for the guaranteed payments made to the borrower from the P&L is approved.<br>Buyer Comment (2025-07-17): see exception uploaded |  |  | 09/18/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620870 | [Redacted] | [Redacted] |  | 33991527 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-07-23): Client elects to waive.<br>Buyer Comment (2025-07-21): can this be cleared?<br>Reviewer Comment (2025-07-21): Loan is EV2-B ATR Risk based on post-close lender exception. |  |  | 07/23/2025 | 2 B |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223622130 | [Redacted] | [Redacted] |  | 33727862 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three[redacted]business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is missing. |  |  |  | Reviewer Comment (2025-06-30): [redacted] received e-consent dated[redacted]<br>Buyer Comment (2025-06-26): Attached | 06/30/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223623141 | [Redacted] | [Redacted] |  | 33731684 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance documentation is missing for the [redacted] property. |  |  |  | Reviewer Comment (2025-07-01): HOI received.<br>Buyer Comment (2025-06-30): REO Docs | 07/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223623141 | [Redacted] | [Redacted] |  | 34357221 |  |  | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / [redacted]" is missing. |  | Missing updated [redacted] and passive income documents/worksheet. |  |  |  | Reviewer Comment (2025-09-04): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-04): Income docs<br>Buyer Comment (2025-09-04): 1003, 1008, passive income worksheet<br>Buyer Comment (2025-09-04): 1003, 1008 , passive income worksheet<br>Buyer Comment (2025-09-04): Please see the updated 1003, 1008 and passive asset income calculation which should reduce DTI below [redacted] % | 09/04/2025 |  |  | 1 A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755511 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Lease agreement for REO Property [redacted] |  |  |  | Reviewer Comment (2025-07-15): Received required documentation. Condition cleared.<br>Buyer Comment (2025-07-11): Please see [redacted] and [redacted] verification of rent, the HOA is included in the lot rent.<br>Reviewer Comment (2025-07-08): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification, Lease Agreement<br>Reviewer Comment (2025-07-08): HOA is missing in file as $[redacted] extra amount updated as per final 1003. Exception remains.<br>Buyer Comment (2025-07-03): Unit [redacted] Lease | 07/15/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755514 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Lease agreement for REO Property [redacted] |  |  |  | Reviewer Comment (2025-07-15): Received required documentation. Condition cleared.<br>Buyer Comment (2025-07-11): Please see [redacted] and [redacted] verification of rent, the HOA is included in the lot rent.<br>Reviewer Comment (2025-07-08): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification, Lease Agreement<br>Reviewer Comment (2025-07-08): HOA is missing in file as $[redacted] extra amount updated as per final 1003. Exception remains.<br>Buyer Comment (2025-07-03): Unit [redacted] Lease | 07/15/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755548 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Missing Verification of Rent for borrower. |  |  |  | Reviewer Comment (2025-07-08): The Verification of Rent received & associated. Exception cleared.<br>Buyer Comment (2025-07-03): VOR | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755549 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-07-08): Verification of employment received & associated. Exception cleared.<br>Buyer Comment (2025-07-07): Please see FVOE documentation uploaded today | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755554 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage of $[redacted] does not cover the loan amount of $[redacted] . Provide updated policy reflecting minimum coverage of $[redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Same industry for more than [redacted]years.<br>Disposable Income: $[redacted]<br>Same position for more than [redacted]years.<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-24): Client elects to waive with comp factors.<br>Buyer Comment (2025-09-24): Exception<br>Reviewer Comment (2025-07-08): Received the RCE, however the cost to rebuild is $[redacted] . The coverage of $[redacted] does not cover that amount or the loan amount of $[redacted] .<br>Buyer Comment (2025-07-03): RCE |  |  | 09/24/2025 | 2 C B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755556 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Verification of citizenship status not provided for all Borrowers. |  |  |  | Reviewer Comment (2025-07-08): Verification of Identification received & associated. Exception cleared.<br>Buyer Comment (2025-07-03): IDs and ITINs | 07/08/2025 |  |  | 1 B A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755558 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of citizenship status not provided. |  |  |  | Reviewer Comment (2025-07-08): Verification of Identification received & associated. Exception cleared.<br>Buyer Comment (2025-07-07): Please see IDs and ITINs provided previously | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755571 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing evidence of gift funds transferred from the donor's account to the applicant. |  |  |  | Reviewer Comment (2025-07-15): Wire confirmation for gift fund provided and associated. Exception cleared<br>Buyer Comment (2025-07-15): Wire Receipt<br>Reviewer Comment (2025-07-08): Received wire for amount $[redacted] but required wire confirmation or donor withdrawal slip to verify gift amount $[redacted] . Exception remains.<br>Buyer Comment (2025-07-07): Gift Wire | 07/15/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755572 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-07-08): Verification of employment received & associated. Exception cleared.<br>Buyer Comment (2025-07-07): Please see FVOEs uploaded today | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755573 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-07-08): Verification of employment received & associated. Exception cleared.<br>Buyer Comment (2025-07-07): FVOE | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755574 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-07-08): Verification of employment received & associated. Exception cleared.<br>Buyer Comment (2025-07-07): FVOE | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755575 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-07-08): Verification of employment received & associated. Exception cleared.<br>Buyer Comment (2025-07-07): FVOE | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755591 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date, missing evidence of gift funds transferred from the donor's account to the applicant. Missing copy of lease agreement for [redacted] |  |  |  | Reviewer Comment (2025-07-08): Verification of employment received & associated. Exception cleared.<br>Buyer Comment (2025-07-07): All docs submitted, please review and clear | 07/08/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223623148 | [Redacted] | [Redacted] |  | 33755592 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay ([redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Missing Lease agreement for REO Property[redacted] |  |  |  | Reviewer Comment (2025-07-08): Lease Agreement received & associated. Exception cleared.<br>Buyer Comment (2025-07-03): Please see lease uploaded today. | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755593 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay ([redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Missing Lease agreement for REO Property [redacted] |  |  |  | Reviewer Comment (2025-07-08): Lease Agreement received & associated. Exception cleared.<br>Buyer Comment (2025-07-03): Please see lease uploaded today. | 07/08/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755594 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | [redacted] due to Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date, missing evidence of gift funds transferred from the donor's account to the applicant. Missing copy of lease agreement for [redacted] |  |  |  | Reviewer Comment (2025-07-15): Verification of employment, Wire confirmation for gift fund and Lease agreement provided. Exception cleared<br>Buyer Comment (2025-07-15): all components present, please clear<br>Reviewer Comment (2025-07-08): Received verifications, however condition remains due to missing HOA documentation for the [redacted] rentals and evidence of borrower's receipt of the gift funds. The wire provided was for an amount of $[redacted] . The gift funds were for $[redacted] .<br>Buyer Comment (2025-07-07): All documents submitted, please review and clear | 07/15/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755595 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date, missing evidence of gift funds transferred from the donor's account to the applicant. Missing copy of lease agreement for [redacted]. |  |  |  | Reviewer Comment (2025-07-15): Verification of employment, Wire confirmation for gift fund and Lease agreement provided. Exception cleared<br>Buyer Comment (2025-07-15): All components present, please clear<br>Reviewer Comment (2025-07-08): Received verifications, however condition remains due to missing HOA documentation for the [redacted] rentals and evidence of borrower's receipt of the gift funds. The wire provided was for an amount of $[redacted] . The gift funds were for $[redacted] .<br>Buyer Comment (2025-07-07): All documentation submitted, please review and clear | 07/15/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755596 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | [redacted] due to Missing Verbal Verification of Employment for all Borrowers dated within [redacted] business days of the note date, missing evidence of gift funds transferred from the donor's account to the applicant. Missing copy of lease agreement for [redacted] |  |  |  | Reviewer Comment (2025-07-08): Verification of employment received & associated. Exception cleared. | 07/08/2025 |  |  | 1 A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33755598 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Increase of Recording Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-22): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-21): PCCD Cure |  | 07/22/2025 |  | 2 C B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223623148 | [Redacted] | [Redacted] |  | 33786411 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | File is missing evidence of gift funds transferred from the donor's account to the applicant. |  |  |  | Reviewer Comment (2025-07-15): Wire confirmation for gift fund provided and associated. Exception cleared<br>Buyer Comment (2025-07-15): Uploaded today, please clear<br>Reviewer Comment (2025-07-08): Received wire for amount $[redacted] but required wire confirmation or donor withdrawal slip to verify gift amount $[redacted] . Exception remains.<br>Buyer Comment (2025-07-07): Please see wire receipt to confirm gift funds, uploaded today. | 07/15/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223623148 | [Redacted] | [Redacted] |  | 33859341 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to required wire confirmation or donor withdrawal slip to verify gift amount $[redacted] . Exception remains. |  |  |  | Reviewer Comment (2025-07-15): Verification of employment, Wire confirmation for gift fund and Lease agreement provided. Exception cleared<br>Buyer Comment (2025-07-15): Uploaded today, please clear | 07/15/2025 |  |  | 1 A |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223623172 | [Redacted] | [Redacted] |  | 33733852 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-10-17): Received evidence borrower will not occupy the property and lender exception to use said document.<br>Buyer Comment (2025-10-17): Exception<br>Reviewer Comment (2025-10-14): Please provide a lender exception approval with compensating factors to downgrade/waive the exception.<br>Buyer Comment (2025-10-10): There is a letter of intent from the borrower regarding the business purpose of this loan. The actual business intent form as previously mentioned did not generate in our package. I would like to request that this loan be upgraded to a [redacted] with the use of the signed LOX from the borrower however the exclusion of the actual form given our system did not generate it. Can you please have this reviewed?<br>Reviewer Comment (2025-09-18): the business purpose certificate is a legal document that is required for business purpose loans. This would be required to be provided and signed at closing.<br>Buyer Comment (2025-09-18): Business Intent Letter<br>Reviewer Comment (2025-07-24): Provided letter of explanation confirming borrower does not intend to occupy the property. However, Business purpose certificate is required. Exception remains.<br>Buyer Comment (2025-07-22): Letter_of_Intent_and_Motivation | 10/17/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223623172 | [Redacted] | [Redacted] |  | 34757452 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval to waive the traditional Business purpose certificate and use a letter signed by the borrower was approved. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-17): Client elects to waive with compensating factors. |  |  | 10/17/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223626350 | [Redacted] | [Redacted] |  | 33756899 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-07-04): Provided final title policy. Exception cleared. | 07/04/2025 |  |  | 1 A |  | NH | Investment | Purchase | B A |  | N/A | No |
| 223626350 | [Redacted] | [Redacted] |  | 33756933 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-07-04): Provided final title policy. Exception cleared.<br>Buyer Comment (2025-07-02): Title | 07/04/2025 |  |  | 1 B A |  | NH | Investment | Purchase | B A |  | N/A | No |
| 223637133 | [Redacted] | [Redacted] |  | 33783778 |  |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Primary valuation date: [redacted] ; CDA effective date: [redacted] |  |  |  | Reviewer Comment (2025-07-09): Received CDA. Exception Cleared.<br>Buyer Comment (2025-07-08): cda upld | 07/09/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223637133 | [Redacted] | [Redacted] |  | 33797340 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Estimated cost new: $[redacted] . Total hazard provided: $[redacted] . Coverage shortfall: $[redacted] . |  |  |  | Reviewer Comment (2025-10-07): Received updated hazard insurance policy. Exception Cleared.<br>Buyer Comment (2025-10-03): Updated policy w corrected mortgagee and proof of payment<br>Reviewer Comment (2025-09-26): Received HOI policy does not state [redacted] as ISAOA/ATIMA. Exception remains.<br>Buyer Comment (2025-09-25): Coverage increase to $[redacted]<br>Reviewer Comment (2025-07-23): Unable to clear. Required to use Estimated Cost New of $[redacted] for [redacted]calculation requirement instead of $[redacted] .<br>Buyer Comment (2025-07-21): uw response upld | 10/07/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223663040 | [Redacted] | [Redacted] |  | 33804721 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant t[redacted]business days prior to consummation. | The file is missing documentation verifying the borrowers received a copy of the appraisal within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-07-04): Appraisal delivery receipt received. Exception Cleared.<br>Buyer Comment (2025-07-02): Proof | 07/04/2025 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223663040 | [Redacted] | [Redacted] |  | 33804723 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-07-04): Appraisal delivery receipt received. Exception Cleared.<br>Buyer Comment (2025-07-02): See upload | 07/04/2025 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223663040 | [Redacted] | [Redacted] |  | 33804725 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing third party verification of employment. |  |  |  | Reviewer Comment (2025-09-02): Third party verification from the state regulatory agency is provided.<br>Reviewer Comment (2025-08-29): Reviewed all trailing docs. The file remains missing the third party verification reflecting dates of operation and good standing status.<br>Buyer Comment (2025-08-27): See Upld | 09/02/2025 |  |  | 1 B A C |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223663040 | [Redacted] | [Redacted] |  | 33804726 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay ([redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing third party verification of employment. |  |  |  | Reviewer Comment (2025-09-02): Third party verification from the state regulatory agency is provided.<br>Reviewer Comment (2025-08-29): Reviewed all trailing docs. The file remains missing the third party verification reflecting dates of operation and good standing status.<br>Buyer Comment (2025-08-27): Invoices To Prove [redacted] party verification | 09/02/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223663040 | [Redacted] | [Redacted] |  | 33804727 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Missing third party verification of employment. |  |  |  | Reviewer Comment (2025-09-02): Third party verification from the state regulatory agency is provided. | 09/02/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223663040 | [Redacted] | [Redacted] |  | 33804728 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search fee was not disclosed on initial Loan estimate but disclosed on the final Closing Disclosure for $[redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-07-25): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-07-23): Cure docs |  | 07/25/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223694961 | [Redacted] | [Redacted] |  | 33814600 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Property zip code on appraisal report is not matching with Note. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-20): LOI<br>Buyer Comment (2025-08-20): [redacted]<br>Reviewer Comment (2025-08-20): 1003, HOI, Flood and title received, please provide security instrument with the same zip code. Exception Remains.<br>Buyer Comment (2025-08-19): Title<br>Buyer Comment (2025-08-19): 1003<br>Buyer Comment (2025-08-19): HOI<br>Buyer Comment (2025-08-19): Flood<br>Reviewer Comment (2025-08-15): Received updated note for which having different zip code [redacted] however other documents like Insurance, title, 1003, Closing disclosure showing zip code [redacted] , Exception remains.<br>Buyer Comment (2025-08-14): Corrected Note shows zip code as "[redacted] "<br>Reviewer Comment (2025-08-14): Require Valuation document zip code needs to corrected as per note document "[redacted] " as per note document. Exception Remains.<br>Buyer Comment (2025-08-12): Note | 08/22/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A | N/A | N/A | No |
| 223694961 | [Redacted] | [Redacted] |  | 34212037 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Property zip code on appraisal report is not matching with Note. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-20): [redacted] Affidavit and LOI uploaded<br>Reviewer Comment (2025-08-20): 1003, HOI, Flood and title received, please provide security instrument with the same zip code. Exception Remains.<br>Buyer Comment (2025-08-18): Address on appraisal does match with corrected Note, please cancel | 08/22/2025 |  |  | 1 A |  | CO | Investment | Purchase | C A | N/A | N/A | No |
| 223708745 | [Redacted] | [Redacted] |  | 33820736 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is present in file :<br>Per WVOE guidelines [redacted] housing history to be documented. Per the branch borrower ([redacted]) pays landlord in cash and it is not able to always be traced on bank statements. Requesting to use VOR form from Private landlord for B2 | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-07): Preapproved exception |  |  | 07/07/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223708745 | [Redacted] | [Redacted] |  | 33820739 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-23): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-07-22): COC | 07/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223713787 | [Redacted] | [Redacted] |  | 33838330 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing for [redacted] |  |  |  | Reviewer Comment (2025-07-18): Received Articles of Organization/Formation. Exception Cleared.<br>Buyer Comment (2025-07-17): Articles | 07/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223713787 | [Redacted] | [Redacted] |  | 33838336 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose certificate is missing for [redacted] |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-15): business cert | 08/19/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223713787 | [Redacted] | [Redacted] |  | 33838342 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing for [redacted] |  |  |  | Reviewer Comment (2025-07-18): Received Corporate Resolution. Exception Cleared.<br>Buyer Comment (2025-07-17): REsolution | 07/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223713787 | [Redacted] | [Redacted] |  | 33838343 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing for [redacted] |  |  |  | Reviewer Comment (2025-07-18): Received Operating Agreement . Exception Cleared.<br>Buyer Comment (2025-07-17): Operating agreement | 07/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223713787 | [Redacted] | [Redacted] |  | 33863015 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Missing Document: Employment Income Documentation not provided |  | The EIN is missing for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-18): Received EIN for the borrowing entity. Exception Cleared.<br>Buyer Comment (2025-07-17): EIN | 07/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223713787 | [Redacted] | [Redacted] |  | 33890970 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UPDATE: The note does not reflect the borrowing business entity. Please provide an updated/corrected note. |  |  |  | Reviewer Comment (2025-08-08): Received executed note reflecting business entity in the signature block. Exception cleared.<br>Buyer Comment (2025-08-06): Note | 08/08/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223717290 | [Redacted] | [Redacted] |  | 33856775 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-11): Client requested to redesignate loan to Safe Harbor QM (APOR)<br>Buyer Comment (2025-09-11): Can we please redesignate this as QM<br>Reviewer Comment (2025-08-06): Unable to clear. The "Non Compliant" exception is related to the missing evidence of appraisal receipt.<br>Reviewer Comment (2025-08-06): Exception ID [redacted]is addressed.<br>Buyer Comment (2025-08-04): Please see attached PCCD cure docs on Exception ID [redacted] . | 09/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223717290 | [Redacted] | [Redacted] |  | 33856776 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay ([redacted]): Guidelines require [redacted] or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-09-11): Client requested to redesignate loan to Safe Harbor QM (APOR) | 09/11/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223717290 | [Redacted] | [Redacted] |  | 33856777 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay ([redacted]): Guidelines require [redacted] or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-09-11): Client requested to redesignate loan to Safe Harbor QM (APOR) | 09/11/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223717290 | [Redacted] | [Redacted] |  | 33856780 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title-Wire/Funding/Disbursement Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-08-05): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-08-04): Please see attached PCCD cure docs. |  | 08/05/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Higher Priced QM (APOR) | Yes |
| 223717290 | [Redacted] | [Redacted] |  | 33856788 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation |  |  |  | Reviewer Comment (2025-09-11): Client requested to redesignate loan to Safe Harbor QM (APOR)<br>Reviewer Comment (2025-08-01): We have been instructed not to use [redacted] as a business day as [redacted] is not open for full business. Exception remains.<br>Buyer Comment (2025-07-30): [redacted] counts [redacted] as a business day. Please waive<br> When determining date by which consumer must receive a copy of appraisals and written valuations prior to consummation, [redacted] will include all days except [redacted] and federal holidays.<br>Reviewer Comment (2025-07-30): Received waiver which was in the original file. The waiver is immaterial in this situation due the loan being a HPML. Condition remains.<br>Buyer Comment (2025-07-28): Appraisal waiver<br>Reviewer Comment (2025-07-24): The issue on this exception is the appraisal with the report date of [redacted] completed by [redacted] Appraisal Services. This appraisal was not updated. The evidence of the borrower's receipt of this report does not meet HPML requirements which would need to be [redacted] business days prior to closing. Evidence in the file reflects the appraisal was received by the borrower on [redacted] . Condition remains.<br>Buyer Comment (2025-07-22): Also please see attached proof of initial appraisal dated [redacted] being sent to bwr on [redacted]<br>Reviewer Comment (2025-07-18): Primary appraisal was received [redacted] and loan closed[redacted] not [redacted] business days prior to consummation. Exception remains.<br>Buyer Comment (2025-07-16): Please see attached proof CDA was sent [redacted]<br>Reviewer Comment (2025-07-14): Exception remains. Still required proof of appraisal delivery to borrower [redacted] business days prior to consummation. Appraisal report/ Desk Review dated [redacted]<br>Buyer Comment (2025-07-11): Please see attached clarification/proof appraisals and CDA sent to bwr [redacted] days prior to closing. | 09/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223717290 | [Redacted] | [Redacted] |  | 34425312 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Client requested to redesignate loan to Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2025-09-12): Client elects to redesignate loan designation to Higher Priced QM (APOR)<br>Buyer Comment (2025-09-12): Please change the designation on this loan to Higher Priced QM. Thank you! | 09/12/2025 |  |  | 1 A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223717290 | [Redacted] | [Redacted] |  | 34429398 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client elects to restate to Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-09-17): Client elects to waive. |  |  | 09/17/2025 | 2 A B |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223717392 | [Redacted] | [Redacted] |  | 33844420 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to increase of Title-settlement and endorsement fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-24): [redacted] Received Corrected PCCD and LOE moving title fees to section [redacted].<br>Buyer Comment (2025-07-23): COC and title confirmation | 07/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223717392 | [Redacted] | [Redacted] |  | 33844421 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received Valid COC dated [redacted]<br>Buyer Comment (2025-07-23): PCCD | 07/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223717392 | [Redacted] | [Redacted] |  | 33844422 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received Valid COC dated [redacted] | 07/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223717392 | [Redacted] | [Redacted] |  | 33844423 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received Corrected PCCD and LOE conforming Survey require by title. | 07/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223717392 | [Redacted] | [Redacted] |  | 33844424 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-29): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-09-29): date correction<br>Reviewer Comment (2025-07-24): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 09/29/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223718777 | [Redacted] | [Redacted] |  | 33877758 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing a signed/dated close out letter for the Heloc paid at closing. |  |  |  | Reviewer Comment (2025-07-18): Termination letter received of HELOC. Exception Cleared.<br>Buyer Comment (2025-07-16): HELOC Close Letter | 07/18/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223718976 | [Redacted] | [Redacted] |  | 33869034 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal delivery receipt is not provided. |  |  |  | Reviewer Comment (2025-07-18): Proof of appraisal delivery received, exception cleared.<br>Buyer Comment (2025-07-16): Please see attached proof appraisal sent on [redacted]. | 07/18/2025 |  |  | 1 B A |  | MO | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223718976 | [Redacted] | [Redacted] |  | 33869035 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | Amount Financed disclosed is $[redacted] . Calculated Amount Financed of $[redacted] . Variance of $[redacted] , due to addition of Title service change . |  |  |  | Reviewer Comment (2025-08-05): [redacted]received LOA on fee purpose.<br>Buyer Comment (2025-08-02): Please see attached rebuttal re: Title service charge/finance charges. | 08/05/2025 |  |  | 1 C A |  | MO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223718976 | [Redacted] | [Redacted] |  | 33869036 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Finance Charge disclosed is $[redacted] . Calculated finance charge is $[redacted] . Variance of $[redacted] , due to addition of Title service change |  |  |  | Reviewer Comment (2025-08-05): [redacted]received LOA on fee purpose.<br>Buyer Comment (2025-08-02): Please see docs uploaded to Exception ID [redacted] | 08/05/2025 |  |  | 1 C A |  | MO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223722502 | [Redacted] | [Redacted] |  | 33861572 |  |  | Credit | Missing Document | General | Missing Document | ACH was missing from file. |  | ACH verification is missing in file. |  |  |  | Reviewer Comment (2025-07-14): Received ACH Verification. Exception Cleared.<br>Buyer Comment (2025-07-11): ACH | 07/14/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223722502 | [Redacted] | [Redacted] |  | 34273780 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment addendum to Note needs corrected as it is reflecting [redacted] months and blank spaces. |  |  |  | Reviewer Comment (2025-09-03): Received [redacted] affidavit. Condition cleared. | 09/03/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | Yes |
| 223722502 | [Redacted] | [Redacted] |  | 34273782 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided |  | Prepayment addendum to Note needs corrected as it is reflecting [redacted] months and blank spaces. |  |  |  | Reviewer Comment (2025-09-03): Received [redacted] affidavit. Condition cleared.<br>Buyer Comment (2025-08-29): [redacted] Affidavit and Letter of Intent to Record to correct Prepayment Rider to Security Instrument error showing [redacted]months instead of accurate [redacted]months. | 09/03/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223725613 | [Redacted] | [Redacted] |  | 33876587 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure issue date not provided. One of the CDs appears to be incomplete. Will need lender/title companies' attestation that this CD was not provided to the borrower to enable exclusion of this disclosure. |  |  |  | Reviewer Comment (2025-07-15): [redacted]Received lender attestation stating CD without date issued not provided to the borrower.<br>Buyer Comment (2025-07-15): PC Cert | 07/15/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Rate/Term | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| 223725613 | [Redacted] | [Redacted] |  | 33876594 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD dated [redacted] not signed or dated by borrower. |  |  |  | Reviewer Comment (2025-07-15): [redacted]Received Disclosure summary showing receipt of CD.<br>Buyer Comment (2025-07-15): Disclosure Tracking | 07/15/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 223725613 | [Redacted] | [Redacted] |  | 33876595 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Final LE provided [redacted] not signed or dated by borrower. |  |  |  | Reviewer Comment (2025-07-15): [redacted]Received Disclosure summary showing receipt of LE.<br>Buyer Comment (2025-07-15): Disclosure Tracking Summary | 07/15/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 223725613 | [Redacted] | [Redacted] |  | 33876604 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer tax fee amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-07-09): Sufficient Cure Provided At Closing |  | 07/09/2025 |  | 1 A |  | NH | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223725613 | [Redacted] | [Redacted] |  | 33876633 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | Amount financed disclosed as $[redacted] vs actual amount of $[redacted] . Variance of $[redacted] . |  |  |  | Reviewer Comment (2025-08-04): [redacted]received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-08-01): [redacted], LOX, PCCD, Ck Copy<br>Reviewer Comment (2025-07-29): [redacted] included the following prepaid finance charges: $[redacted]discount points, $[redacted]underwriting, $[redacted]flood, -$[redacted]prepaid interest, $[redacted]processing, $[redacted]CPL, $[redacted]Courier, $[redacted]settlement/closing, and $[redacted]discharge tracking (release tracking), for a total of $[redacted]. The $[redacted]Title - Municipal Lien Search fee was not included. The $[redacted]discharge tracking fee was included, as it is a service fee not paid to a government entity for recording, not required to perfect the security interest, and does not appear to be a fee that would be found in a typical cash transaction. If additional documentation can be provided regarding the purpose of this fee, it can be reviewed further. Alternatively, the exception may be cured with Corrected CD, LOE to borrower, copy of cure refund for the total underdisclosure of $[redacted], re-opened rescission and proof of delivery. Re-opened rescission for all consumers: Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least [redacted]business days after new signature/delivery date.<br>Buyer Comment (2025-07-28): Rebuttal |  | 08/04/2025 |  | 2 C B |  | NH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223725613 | [Redacted] | [Redacted] |  | 33876634 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Finance charge disclosed as $[redacted] vs actual amount of $[redacted] . Variance of $[redacted] . |  |  |  | Reviewer Comment (2025-08-04): [redacted]received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-08-01): [redacted], LOX, PCCD, Ck Copy<br>Reviewer Comment (2025-07-29): [redacted]included the following prepaid finance charges: $[redacted]discount points, $[redacted] underwriting, $[redacted]flood, -$[redacted]prepaid interest, $[redacted]processing, $[redacted]CPL, $[redacted]Courier, $[redacted]settlement/closing, and $[redacted]discharge tracking (release tracking), for a total of $[redacted]. The $[redacted]Title - Municipal Lien Search fee was not included. The $[redacted]discharge tracking fee was included, as it is a service fee not paid to a government entity for recording, not required to perfect the security interest, and does not appear to be a fee that would be found in a typical cash transaction. If additional documentation can be provided regarding the purpose of this fee, it can be reviewed further. Alternatively, the exception may be cured with Corrected CD, LOE to borrower, copy of cure refund for the total underdisclosure of $[redacted], re-opened rescission and proof of delivery. Re-opened rescission for all consumers: Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least [redacted]business days after new signature/delivery date.<br>Buyer Comment (2025-07-28): Rebuttal |  | 08/04/2025 |  | 2 C B |  | NH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223725613 | [Redacted] | [Redacted] |  | 33893346 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing either a CPA letter stating the use of business funds will not affect the business operations or a recent [redacted] month cash flow analysis of the account |  |  |  | Reviewer Comment (2025-07-24): CPA Letter received stating use of business funds to qualify will not negatively impact the business. Exception cleared.<br>Buyer Comment (2025-07-23): CPA Letter | 07/24/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223725613 | [Redacted] | [Redacted] |  | 34132150 |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights ([redacted] years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. |  |  |  | Reviewer Comment (2025-08-20): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-18): [redacted], LOX, RTC, Tracking | 08/20/2025 |  |  | 1 A |  | NH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form C B | Non QM | Non QM | Yes |
| 223726558 | [Redacted] | [Redacted] |  | 33879904 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-07-18): Received Employment Authorization and Driving License. Exception cleared.<br>Buyer Comment (2025-07-16): ID | 07/18/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223726558 | [Redacted] | [Redacted] |  | 33880105 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2025-08-12): Okay to waive [redacted] |  |  | 08/12/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| 223726558 | [Redacted] | [Redacted] |  | 33880106 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional [redacted]-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at[redacted] days prior to closing dated [redacted] disclosed an inaccurate APR of [redacted]% compared to the actual APR at consummation of [redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least [redacted] business days prior to consummation. | Verification disclosure was delivered to borrower [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-07-23): [redacted]received proof of receipt.<br>Buyer Comment (2025-07-22): Signed [redacted]<br>Reviewer Comment (2025-07-21): Proof of receipt is required for the [redacted] CD. If it was mailed the mailbox rule would indicate the document was received on [redacted] and the borrower did not have a [redacted]-day waiting period. Please provide any available proof of receipt for [redacted] CD.<br>Buyer Comment (2025-07-18): Please see revised [redacted] CD provided to bwr [redacted]to update testing, and clear<br>Reviewer Comment (2025-07-10): [redacted] ([redacted])([redacted])([redacted]) and ([redacted]) require that the consumer receives accurate disclosures with the actual terms of the transaction at least [redacted] specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [redacted], revised disclosures with an accurate APR must be disclosed and a new [redacted]-day waiting period prior to consummation provided. The APR on the most recent CD received [redacted]days prior to consummation ([redacted]%) changed more than the [redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [redacted] business days prior to consummation. | 07/23/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 223726558 | [Redacted] | [Redacted] |  | 33880107 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least[redacted] business days prior to consummation | Verification disclosure was delivered to borrower [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-07-23): [redacted]received signed CD dated [redacted].<br>Buyer Comment (2025-07-22): Please see signed [redacted] CD uploaded today<br>Reviewer Comment (2025-07-21): [redacted]received CD dated[redacted] with APR of [redacted]% but the CD is not signed by the borrower. Please provide evidence of receipt of CD to borrower before [redacted]business days from the consummation date [redacted].<br>Buyer Comment (2025-07-18): Please see CD uploaded today. | 07/23/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 223726558 | [Redacted] | [Redacted] |  | 33880109 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax $[redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-22): [redacted]received valid changed circumstance and supporting QCD document.<br>Buyer Comment (2025-08-20): QCD<br>Reviewer Comment (2025-08-15): [redacted]received supporting documents Quit claim deed which states it was transfer to business entity whereas as per the COC received it states it was transferred from business entity to individual at closing. Kindly provide latest Quit claim deed in order to support the COC statement.<br>Buyer Comment (2025-08-14): Docs to support<br>Reviewer Comment (2025-08-12): [redacted]received COC dated [redacted], however we require supporting document/deed to verify the vesting as per documents available in file the vesting is still in business. Please provide additional supporting document to re-evaluate the exception.<br>Buyer Comment (2025-08-11): COC<br>Reviewer Comment (2025-08-08): [redacted]received COC dated [redacted] however the reason mentioned is not valid. Kindly provide a valid COC as to why the fee increased on CD dated [redacted] or provide cure docs. Cure document consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-07): COC<br>Reviewer Comment (2025-08-07): [redacted] received LOX. However, it doesn't state about the transfer tax increased. Kindly provide valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-06): COC | 08/22/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223726558 | [Redacted] | [Redacted] |  | 33886273 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Lender Exception requested and approved for [redacted] month VOR with [redacted] of [redacted] months paid in cash. Condition is for Landlord to verify [redacted] & [redacted] rent was received in cash for $[redacted] | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-10): Client elected to waive exceptions with compensating factors. |  |  | 07/10/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223727559 | [Redacted] | [Redacted] |  | 33876358 |  |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-08-08): Received CDA. Exception Cleared.<br>Buyer Comment (2025-08-06): CDA | 08/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223727559 | [Redacted] | [Redacted] |  | 33876375 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | Borrower: [redacted] is First Time Home Buyer. |  |  |  | Reviewer Comment (2025-07-17): lender exception was provided.<br>Buyer Comment (2025-07-15): Exception | 07/17/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223727559 | [Redacted] | [Redacted] |  | 33877061 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] month bank statements not provided in file. |  |  |  | Reviewer Comment (2025-10-02): Received complete [redacted]months bank statement. Exception Cleared.<br>Buyer Comment (2025-10-01): Statement<br>Reviewer Comment (2025-09-18): The provided LOX account history summary reflect period from [redacted], which does not cover the [redacted]days of period. Require complete [redacted]-month bank statements. Exception Remains.<br>Buyer Comment (2025-09-17): The letter and VOM from [redacted] covers over [redacted] days of the loan balance. [redacted] and part of [redacted]. Can you please explain why an additional bank statement would be needed?<br>Reviewer Comment (2025-09-03): Received LOE for large deposit. Require additional [redacted]month bank statement. Exception Remains.<br>Buyer Comment (2025-09-02): LOE for [redacted]Deposit | 10/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223727559 | [Redacted] | [Redacted] |  | 33957166 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is first time home buyer, currently rents. [redacted] is just shy of [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] | Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-17): Client elected to waive exceptions with compensating factors. |  |  | 07/17/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223728852 | [Redacted] | [Redacted] |  | 33880224 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Permanent resident card for co-manager not provided in file. |  |  |  | Reviewer Comment (2025-07-17): Permanent resident card is not required as [redacted] is a member and has not signed the note individually. Exception cleared.<br>Buyer Comment (2025-07-15): Not required on investment loans | 07/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223729054 | [Redacted] | [Redacted] |  | 33883481 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing in file. |  |  |  | Reviewer Comment (2025-07-23): Received Driver's License for Verification of Identification. Exception Cleared.<br>Buyer Comment (2025-07-21): IDs | 07/23/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223729092 | [Redacted] | [Redacted] |  | 33885746 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted] does not match calculated P&I of $[redacted] . Note P&I was used for the APR calculation and compliance testing. | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted] does not match calculated P&I of $[redacted] . |  |  |  | Reviewer Comment (2025-08-04): Note P&I updated correctly. Exception cleared.<br>Buyer Comment (2025-08-01): lox and pccd for P&I pymt | 08/04/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| 223729092 | [Redacted] | [Redacted] |  | 33885778 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Insurance Verification for the property [redacted] |  |  |  | Reviewer Comment (2025-08-04): Updated 1003 & 1008 received. Exception cleared.<br>Buyer Comment (2025-08-01): lox rebuttal, property profile and revised 1003 1008<br>Reviewer Comment (2025-07-29): Please provide HOA verification for the amount available after deduction of HOI & tax of $[redacted]. Exception remains.<br>Buyer Comment (2025-07-25): HOI | 08/04/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| 223729092 | [Redacted] | [Redacted] |  | 33885780 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-07-23): Cleared. Received CDA.<br>Buyer Comment (2025-07-19): cda | 07/23/2025 |  |  | 1 D A |  | CA | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| 223729092 | [Redacted] | [Redacted] |  | 33885794 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Title Preliminary Report in the file doesn't disclose the total Policy coverage amount. Provide evidence of title with sufficient policy coverage. |  |  |  | Reviewer Comment (2025-07-17): Final Title Policy Received and verified. Exception cleared<br>Buyer Comment (2025-07-15): updated title with correct loan amount | 07/17/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| 223729092 | [Redacted] | [Redacted] |  | 33885796 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy |  |  |  | Reviewer Comment (2025-07-17): Final Title Policy Received and verified. Exception cleared | 07/17/2025 |  |  | 1 A |  | CA | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| 223729098 | [Redacted] | [Redacted] |  | 33883487 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for borrowers own several financed REO and are at [redacted] . The exception is approved for cash out on land contract seasoned [redacted] months with [redacted] [redacted] PPP Max LTV [redacted] %. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-11): Preapproved exception |  |  | 07/11/2025 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223732242 | [Redacted] | [Redacted] |  | 33896340 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is not provided. |  |  |  | Reviewer Comment (2025-07-29): Received Title Preliminary & coverage amount updated. Exception cleared.<br>Buyer Comment (2025-07-28): title prelim<br>Reviewer Comment (2025-07-21): Erroneously I have cleared the condition earlier. Title report provided has different address then of our property [redacted], please provide title report of subject property. Exception Remains.<br>Reviewer Comment (2025-07-18): Policy received with insured amount. Exception Cleared.<br>Buyer Comment (2025-07-16): title | 07/29/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223732242 | [Redacted] | [Redacted] |  | 33896446 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-18): Appraisal delivery receipt received. Exception Cleared<br>Buyer Comment (2025-07-16): appraisal delivery | 07/18/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223732242 | [Redacted] | [Redacted] |  | 33896447 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Calculated APR is [redacted] % which exceeds the threshold of [redacted] %. |  |  |  | Reviewer Comment (2025-07-18): Appraisal delivery receipt received. Exception Cleared | 07/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223732242 | [Redacted] | [Redacted] |  | 33896448 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-18): Appraisal delivery receipt received. Exception Cleared | 07/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223732242 | [Redacted] | [Redacted] |  | 33896618 |  |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of [redacted]% of the loan amount or $[redacted]. | Cash to Borrower: ___; Total Cash Out: ___; Refi Purpose: ___ | Cash to close is $[redacted] which is lesser than $[redacted] . |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-14): PCCD to reword payoff. Ok per [redacted]<br>Reviewer Comment (2025-08-01): UPDATE: The borrower received $[redacted]cash in hand at closing which meets lender guides, however the borrower also paid off a [redacted]account in the amount of $[redacted]which would be considered cash out. That would total cash out in the amount of $[redacted]. Condition remains.<br>Reviewer Comment (2025-08-01): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Cash to Borrower: $[redacted]; Total Cash Out: $[redacted]; Refi Purpose: Rate/Term<br>Buyer Comment (2025-07-30): Please see top of pg [redacted] in the guides<br> Buying out a co-owner or beneficiary pursuant to an agreement acceptable in its form to Signature Expanded. A stipulation of settlement and/or divorce decree is acceptable to meet this requirement. The Applicant does not need to be a signer on the current note. | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223733855 | [Redacted] | [Redacted] |  | 33907872 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Compliant Higher Priced Loan. | APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Reviewer Comment (2025-08-07): The exception for [redacted] HPML Compliant was cited due to the calculated APR ([redacted]%) and disclosed APR ([redacted]%) exceeding the [redacted]HPML threshold of [redacted]% (APOR of [redacted]%). [redacted]HPMLs largely mirror Federal HPML and, like Federal HPML, do not have any explicit cure provision to remove a loan from HPML status once the loan has been made. This exception is not a high cost failure and is graded as [redacted].<br>Reviewer Comment (2025-08-07): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%, or [redacted]%. Compliant Higher Priced Loan.<br>Buyer Comment (2025-08-05): Please see attached PCCD and cure docs. |  |  | 08/07/2025 | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| 223733855 | [Redacted] | [Redacted] |  | 33907873 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | Final closing disclosure disclosed an amount financed of $[redacted] compared to the calculated amount financed of $[redacted] , there is a variance of $[redacted] . |  |  |  | Reviewer Comment (2025-08-06): [redacted]received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-08-05): Please see attached PCCD and cure docs.<br>Reviewer Comment (2025-08-05): After review, the finance charge remains under disclosed in the amount of $[redacted]. This appears to be due to the title - service charge fee. If an itemization of the fee is provided [redacted]will re-review and remove any non-finance charge expenses.<br>Buyer Comment (2025-08-02): Please see attached rebuttal re: finance charge of Final Title policy fee. |  | 08/06/2025 |  | 2 C B |  | OK | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223733855 | [Redacted] | [Redacted] |  | 33907874 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Final closing disclosure disclosed a finance charge of $[redacted] compared to the calculated finance charge of $[redacted] , there is a variance of $[redacted] . All fees are reflected in Itemization of amount financed. |  |  |  | Reviewer Comment (2025-08-06): [redacted]received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-08-05): Please see attached PCCD and cure docs.<br>Reviewer Comment (2025-08-05): After review, the finance charge remains under disclosed in the amount of $[redacted]. This appears to be due to the title - service charge fee. If an itemization of the fee is provided [redacted]will re-review and remove any non-finance charge expenses. |  | 08/06/2025 |  | 2 C B |  | OK | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223733855 | [Redacted] | [Redacted] |  | 33907875 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-13): [redacted]Received Valid COC dated [redacted].<br>Buyer Comment (2025-08-12): Please see attached COC re: appraisal fee.<br>Reviewer Comment (2025-08-07): [redacted]received PCCD and LOE to cure Title Service fee but no COC or cure docs provided for increase in appraisal fee. Please provide information as to what changed circumstance occurred (as defined under [redacted] ([redacted])([redacted])([redacted])-([redacted]) that resulted in an increase in closing costs.<br>Buyer Comment (2025-08-05): Please see attached PCCD and cure docs. | 08/13/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223733855 | [Redacted] | [Redacted] |  | 34154602 |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights [redacted] years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. |  |  |  | Reviewer Comment (2025-08-21): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-19): Please clear as RTC period has expired. Thank you!<br>Reviewer Comment (2025-08-14): Once RTC period has expired, midnight of [redacted], exception can be cleared.<br>Buyer Comment (2025-08-12): Please see attached proof RTC re-opened and sent today. Exp [redacted]. | 08/21/2025 |  |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form C B | Non QM | Non QM | Yes |
| 223734971 | [Redacted] | [Redacted] |  | 33904103 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $[redacted] are insufficient to meet cash to close of $[redacted] . |  |  |  | Reviewer Comment (2025-08-05): Loan proceeds updated for sold property as per source documents. Exception cleared.<br>Buyer Comment (2025-08-01): Final CD and Wire Receipt, please clear all related conditions.<br>Reviewer Comment (2025-07-25): Require additional Bank Statements with funds to cover the insufficient funds requirement as liquid assets in the amount of $[redacted]are insufficient to meet cash to close of $[redacted]and provided bank statement already available in file. Exception Remains.<br>Buyer Comment (2025-07-24): Assets, please use to clear all open conditions. | 08/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223734971 | [Redacted] | [Redacted] |  | 33904342 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  |  |  |  |  | Reviewer Comment (2025-08-19): Asset not considered for qualification, so bank statement not required. Exception cleared.<br>Buyer Comment (2025-08-15): Updated 1003 / 1008 | 08/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223734971 | [Redacted] | [Redacted] |  | 33904481 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] - month asset requirement is not meet for account #[redacted] |  |  |  | Reviewer Comment (2025-08-19): Asset not considered for qualification, so bank statement not required. Exception cleared.<br>Buyer Comment (2025-08-15): Please see updated 1003/1008 uploaded today | 08/19/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223734971 | [Redacted] | [Redacted] |  | 33904482 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] - month asset requirement is not meet for account #[redacted] |  |  |  | Reviewer Comment (2025-08-19): Asset not considered for qualification, so bank statement not required. Exception cleared.<br>Buyer Comment (2025-08-15): Please see updated 1003/1008 uploaded today | 08/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223734971 | [Redacted] | [Redacted] |  | 33904518 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] - month asset requirement is not meet for account [redacted] |  |  |  | Reviewer Comment (2025-08-19): Asset not considered for qualification, so bank statement not required. Exception cleared.<br>Buyer Comment (2025-08-15): Please see updated 1003/1008 uploaded today<br>Reviewer Comment (2025-08-05): Cleared in error<br>Reviewer Comment (2025-08-05): Loan proceeds updated for sold property as per source documents. Exception cleared. | 08/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223734971 | [Redacted] | [Redacted] |  | 33904519 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Additional asset required to meet Guideline PITIA months reserves of [redacted] and the [redacted] - month asset requirement is not meet for account #[redacted] . |  |  |  | Reviewer Comment (2025-08-05): Loan proceeds updated for sold property as per source documents. Exception cleared. | 08/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223734971 | [Redacted] | [Redacted] |  | 33904542 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] - month asset requirement is not meet for account [redacted] |  |  |  | Reviewer Comment (2025-08-19): Asset not considered for qualification, so bank statement not required. Exception cleared.<br>Buyer Comment (2025-08-15): Please see updated 1003/1008 uploaded today | 08/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223742911 | [Redacted] | [Redacted] |  | 33910785 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Require recent [redacted] months bank statements. |  |  |  | Reviewer Comment (2025-10-16): [redacted]months bank statement for account #[redacted]is available in the file. Exception Cleared.<br>Buyer Comment (2025-10-14): Please review [redacted]and [redacted]for [redacted]month's statements.<br>Reviewer Comment (2025-10-14): Received source documentation of transfer for new accounts #[redacted]and #[redacted]. Require [redacted]months statement for[redacted] // Account Type: Checking / Account Number: [redacted]. Exception remains<br>Buyer Comment (2025-10-13): Source statement for transfer into new accts to support [redacted] months. | 10/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223742911 | [Redacted] | [Redacted] |  | 33910856 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. The [redacted] checklist is also acceptable but is missing from the file |  |  |  | Reviewer Comment (2025-09-08): Received Replacement cost estimator. Exception Cleared.<br>Buyer Comment (2025-09-04): [redacted]<br>Reviewer Comment (2025-07-18): Provided email correspondence shows [redacted]% replacement cost however there is a shortfall of $[redacted]. Exception remains.<br>Buyer Comment (2025-07-16): [redacted] has email from HOI agent showing [redacted][redacted]% Coverage | 09/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223742911 | [Redacted] | [Redacted] |  | 33910861 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment is incomplete. Prepayment details are missing. |  |  |  | Reviewer Comment (2025-10-16): Updated Lock Report reflects No Prepay.<br>Buyer Comment (2025-10-16): Updated lock form showing no prepayment penalty to match documentation signed at closing<br>Reviewer Comment (2025-07-18): Provided Prepayment Addendum shows prepayment terms as [redacted]. Exception remains.<br>Buyer Comment (2025-07-16): note addendum | 10/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | Yes |
| 223742911 | [Redacted] | [Redacted] |  | 33910863 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Prepayment ride is incomplete. Prepayment details are missing. |  |  |  | Reviewer Comment (2025-10-16): Updated Lock Report reflects No Prepay.<br>Buyer Comment (2025-10-16): Please see updated lock uploaded today reflecting no prepayment penalty.<br>Reviewer Comment (2025-07-18): Provided Prepayment Rider shows prepayment terms as [redacted]. Exception remains.<br>Buyer Comment (2025-07-16): prepayment rider | 10/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223743179 | [Redacted] | [Redacted] |  | 33923602 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Policy amount is missing. |  |  |  | Reviewer Comment (2025-07-24): Title Final received.<br>Buyer Comment (2025-07-23): uploaded title work with loan amount | 07/24/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223743179 | [Redacted] | [Redacted] |  | 33923605 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final title is missing. |  |  |  | Reviewer Comment (2025-07-24): Title Final received. | 07/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223743179 | [Redacted] | [Redacted] |  | 33923810 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is required to be provided prior to the initial loan estimate. |  |  |  | Reviewer Comment (2025-07-18): [redacted] Received earliest E-Cosnent.<br>Buyer Comment (2025-07-17): uploaded tracking info | 07/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223743179 | [Redacted] | [Redacted] |  | 33923811 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. |  |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided At Closing |  | 07/14/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223743179 | [Redacted] | [Redacted] |  | 33923812 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to [redacted] business days from transaction date of [redacted] . | Closing disclosure and security instrument were signed on[redacted] |  |  |  | Reviewer Comment (2025-08-14): Received updated RTC and mailing label. This conditioncleared. Additional conditions to be cleared once new RTC period expires midnight of [redacted]<br>Buyer Comment (2025-08-12): rescission docs | 08/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223743179 | [Redacted] | [Redacted] |  | 33923813 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Closing disclosure is signed on [redacted] |  |  |  | Reviewer Comment (2025-08-20): RTC period expired.<br>Buyer Comment (2025-08-18): Can this condition be cleared now that RTC has expired?<br>Reviewer Comment (2025-08-14): Once updated RTC period expires at midnight of [redacted], condition can be cleared.<br>Buyer Comment (2025-08-12): see uploaded rescission docs | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223743179 | [Redacted] | [Redacted] |  | 33926850 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % Fee increase was not documented with a valid change of circumstance not was a lender cure provided to the borrower. |  |  |  | Reviewer Comment (2025-08-07): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-08-04): [redacted]Received Corrected PCCD and LOE reducing recording fee; however, LOE does not specify the change made to recording fee on PCCD. Also provide true and certified Final settlement statement in order to verify loan closed as per provided PCCD. Provide LOE and True and certified final settlement statement.<br>Buyer Comment (2025-08-01): [redacted] per Diems PCCD -- fees were balanced. Recording fee decreased causing the condition below to be invalid.<br>Buyer Comment (2025-08-01): pccd and lox | 08/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743179 | [Redacted] | [Redacted] |  | 33926851 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % Fee increase was not documented with a valid change of circumstance not was a lender cure provided to the borrower. |  |  |  | Reviewer Comment (2025-08-07): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-06): see proof of [redacted] delivery uploaded<br>Reviewer Comment (2025-08-04): [redacted]received Corrected PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-01): lox pccd label and cure check<br>Reviewer Comment (2025-07-18): [redacted]received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Title - Electronic Document Delivery Fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Buyer Comment (2025-07-17): COC FOR E-DOC DELIVERY FEE |  | 08/07/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743179 | [Redacted] | [Redacted] |  | 33926852 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % Fee increase was not documented with a valid change of circumstance not was a lender cure provided to the borrower. |  |  |  | Reviewer Comment (2025-08-07): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-06): proof of [redacted] delivery<br>Reviewer Comment (2025-08-04): [redacted]received Corrected PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-01): lox pccd label and cure check<br>Reviewer Comment (2025-07-18): [redacted]received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Title - Document Preparation Fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Buyer Comment (2025-07-17): COC FOR DOC PREP FEE |  | 08/07/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 33919666 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure dated [redacted] does not reflect a signature and the document tracking disclosure was not located. [redacted] day mail method for delivery and receipt was used and loan is failing for timing of this TRID. Document tracker is required to ensure timing and clear timing fail. |  |  |  | Reviewer Comment (2025-07-17): [redacted] received disclosures summary for earliest receipt of [redacted].<br>Buyer Comment (2025-07-16): InitialCD | 07/17/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223743195 | [Redacted] | [Redacted] |  | 33920070 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure is due to missing [redacted] months statement for account ending [redacted] . Only [redacted] months were provided [redacted] |  |  |  | Reviewer Comment (2025-09-16): Received clarification/approval/documentation from lender. Condition cleared.<br>Reviewer Comment (2025-09-16): .<br>Reviewer Comment (2025-07-22): Cleared. LOE from borrower states that the business recently changed names and bank accounts. [redacted]statements in file. 1008 states [redacted]month bank statement doc type.<br>Buyer Comment (2025-07-18): Borrower changed the name of his company about [redacted] months ago, so there are [redacted]months of bank statements under one name, and [redacted]months of statements under the new name of [redacted].<br>Buyer Comment (2025-07-18): Borrower changed the name of his company about [redacted] months ago, so there are [redacted] months of bank statements under one name, and [redacted]months of statements under the new name of [redacted]. | 09/16/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 33920073 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than [redacted]Months | Ability to Repay ([redacted]): Guidelines require less than [redacted] consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-09-16): Received clarification/approval/documentation from lender. Condition cleared.<br>Reviewer Comment (2025-09-16): .<br>Reviewer Comment (2025-07-22): Cleared. LOE from borrower states that the business recently changed names and bank accounts. [redacted]statements in file. 1008 states [redacted]month bank statement doc type.<br>Buyer Comment (2025-07-22): Please clear bank statements provided | 09/16/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743195 | [Redacted] | [Redacted] |  | 33920084 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Title - Courier / Express Mail / Messenger Fee. No COC Provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-02): PCCD |  | 08/05/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 33920085 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Title - Electronic Document Delivery Fee. No COC Provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/05/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 33920104 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Title - Tax Certificate Fee. No COC Provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/05/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 33920111 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Title - Document Preparation Fee. No COC Provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/05/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 33920126 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Title - Endorsement Fee. No COC Provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/05/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 33920141 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Title - Notary Fee. No COC Provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/05/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 34004916 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay ([redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. |  |  |  |  | Reviewer Comment (2025-09-16): Received clarification/approval/documentation from lender. Condition cleared.<br>Reviewer Comment (2025-09-16): .<br>Reviewer Comment (2025-07-22): LOE from borrower states that the business recently changed names and bank accounts. [redacted]statements in file. 1008 states [redacted]month bank statement doc type. | 09/16/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743195 | [Redacted] | [Redacted] |  | 34004921 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to missing bank statements. |  |  |  | Reviewer Comment (2025-09-16): Received clarification/approval/documentation from lender. Condition cleared.<br>Reviewer Comment (2025-09-16): .<br>Reviewer Comment (2025-07-22): Cleared. LOE from borrower states that the business recently changed names and bank accounts. [redacted]statements in file. 1008 states [redacted]month bank statement doc type. | 09/16/2025 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223743195 | [Redacted] | [Redacted] |  | 34004922 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing bank statements. |  |  |  | Reviewer Comment (2025-09-16): Received clarification/approval/documentation from lender. Condition cleared. | 09/16/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743886 | [Redacted] | [Redacted] |  | 33923573 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed -[redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed | Property expenses are escrowed by [redacted] mortgage. However per TRID requirements, the property expenses need to be outlined on page [redacted] and [redacted] . |  |  |  | Reviewer Comment (2025-08-11): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-08-08): Cure<br>Reviewer Comment (2025-07-25): [redacted]received PCCD. Property costs reflected on PCCD of $[redacted]. Loan file indicates Costs of $[redacted]. These itemized costs of ($[redacted]tax/$[redacted]ins) totaling $[redacted]. Please provide PCCD and LOE to cure or verification of updated amounts.<br>Buyer Comment (2025-07-24): PCCD and LOX<br>Buyer Comment (2025-07-24): COC |  | 08/11/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223743886 | [Redacted] | [Redacted] |  | 33923587 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Property expenses are escrowed by [redacted] mortgage. However per TRID requirements, the property expenses need to be outlined on page [redacted] and [redacted] |  |  |  | Reviewer Comment (2025-08-11): [redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-08-08): Please see cure uploaded today<br>Reviewer Comment (2025-07-25): [redacted]received PCCD. Property costs reflected on PCCD of $[redacted]. Loan file indicates Costs of $[redacted]. These itemized costs of ($[redacted]tax/$[redacted]ins) totaling $[redacted]. Please provide PCCD and LOE to cure or verification of updated amounts.<br>Buyer Comment (2025-07-24): PCCD and LOX<br>Buyer Comment (2025-07-24): COC |  | 08/11/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223743886 | [Redacted] | [Redacted] |  | 33923588 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted] for loan with no escrow account established. | Property expenses are escrowed by [redacted] mortgage. However per TRID requirements, the property expenses need to be outlined on page [redacted] and [redacted] . |  |  |  | Reviewer Comment (2025-07-25): [redacted] Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-24): PCCD and LOX<br>Buyer Comment (2025-07-24): COC |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223743886 | [Redacted] | [Redacted] |  | 33923589 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Information not provided on final CD. |  |  |  | Reviewer Comment (2025-07-25): [redacted]Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-24): PCCD and LOX<br>Buyer Comment (2025-07-24): COC |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223743886 | [Redacted] | [Redacted] |  | 33923591 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Second appraisal fee not disclosed on initial or final LE's. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-08-11): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-08-08): Please see cure uploaded today<br>Reviewer Comment (2025-07-25): [redacted]Received COC dated [redacted] states [redacted] Appraisal fee added due to loan amount over $[redacted]; however, loan amount is more than $[redacted]from Initial Loan estimate and [redacted]appraisal fee should be known from Initial LE. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-07-24): PCCD and LOX<br>Buyer Comment (2025-07-24): COC |  | 08/11/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223743886 | [Redacted] | [Redacted] |  | 33923634 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-07-17): VOE received.<br>Buyer Comment (2025-07-16): Closing VOE | 07/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743886 | [Redacted] | [Redacted] |  | 33923635 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-07-17): VOE received.<br>Buyer Comment (2025-07-16): Closing VOE | 07/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743886 | [Redacted] | [Redacted] |  | 33927502 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] months statements not provided. |  |  |  | Reviewer Comment (2025-08-20): [redacted]-month account statement received for #[redacted]& associated. Exception cleared.<br>Buyer Comment (2025-08-19): Please see attached xx[redacted] stmt.<br>Reviewer Comment (2025-08-12): Require [redacted]months Bank Statement of account#[redacted]to clear the exception as provided statement for only account#[redacted]. Exception Remains.<br>Buyer Comment (2025-08-08): [redacted] Statement<br>Reviewer Comment (2025-08-06): Received Account statement for #[redacted], associated. Account #[redacted]are not used for qualification. Required [redacted]months of Account statement for account #[redacted]As both the accounts are being used for Asset Depletion Income. Exception remains.<br>Buyer Comment (2025-08-02): statements<br>Buyer Comment (2025-08-02): LOX & updated docs | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743886 | [Redacted] | [Redacted] |  | 33927520 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] months statements for asset accounts ending in [redacted] , and [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-20): [redacted]-month account statement received for #[redacted]& associated. Exception cleared.<br>Buyer Comment (2025-08-19): Please see final statement [redacted]uploaded to Exception [redacted]<br>Reviewer Comment (2025-08-06): Received Account statement for #[redacted], associated. Account #[redacted]are not used for qualification. Required [redacted]months of Account statement for account #[redacted]As both the accounts are being used for Asset Depletion Income. Exception remains.<br>Buyer Comment (2025-08-02): statements | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743886 | [Redacted] | [Redacted] |  | 33927562 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing asset documentation: accounts ending in [redacted] , and [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-20): [redacted]-month account statement received for #[redacted]& associated. Exception cleared.<br>Buyer Comment (2025-08-19): Please see final statement [redacted]uploaded to Exception [redacted] | 08/20/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223743886 | [Redacted] | [Redacted] |  | 33927563 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing asset documentation: accounts ending in [redacted] , and [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-20): [redacted]-month account statement received for #[redacted]& associated. Exception cleared.<br>Buyer Comment (2025-08-19): Please see final statement [redacted]uploaded to Exception [redacted] | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223743886 | [Redacted] | [Redacted] |  | 33927611 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to missing asset documentation: accounts ending in [redacted] , and [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-20): [redacted]-month account statement received for #[redacted]& associated. Exception cleared.<br>Buyer Comment (2025-08-19): Please see final statement [redacted]uploaded to Exception [redacted] | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223759143 | [Redacted] | [Redacted] |  | 34348660 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing purchase contract on the sale of the borrower's departing residence |  |  |  | Reviewer Comment (2025-09-09): Cleared. Received final CD.<br>Buyer Comment (2025-09-05): CD<br>Buyer Comment (2025-09-05): ALTA<br>Reviewer Comment (2025-09-05): Received purchase contract on departing residence, however it appears to have contingencies. Based on that, the file would need a full or exterior appraisal, AVM or BPO and additional reserves.<br>Buyer Comment (2025-09-05): Contract<br>Reviewer Comment (2025-09-05): Per lender guidelines, to exclude the PITIA on the departure residence, the following is required. A final CD from the sale of the property prior to closing. Or the following:<br>•  A letter of explanation stating an intent to list the property for list, listing agreement for properties listed for sale, or contract for sale<br> •  A full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property<br> •  Additional reserves for the departing property, above and beyond all other requirements, as follows:<br> o If appraisal indicates a marketing time of [redacted]months or less: [redacted]months PITIA<br> o If appraisal indicates a marketing time of more than [redacted]months: [redacted]months PITIA<br> •  An Automated Valuation Model (AVM) or Broker Price Opinion (BPO) may be utilized in lieu of an appraisal report to document equity in the departing residence. If utilizing this option, [redacted]months of the departing residence's PITIA. If the property is owned free and clear, no valuation is necessary and [redacted]months "TIA" of the subject is required.<br>None of these items are in the file to enable DD to exclude the payment.<br>Buyer Comment (2025-09-03): Please see the sales contract on the departing residence which has already sold/closed - please exclude the departing residence payment per guides.<br>Buyer Comment (2025-09-03): sales contract on departing residence | 09/09/2025 |  |  | 1 A |  | OH | Primary | Purchase | A | Non QM | Non QM | No |
| 223759425 | [Redacted] | [Redacted] |  | 33953915 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-07-24): Received Articles of Organization. Exception Cleared.<br>Buyer Comment (2025-07-22): Certificate of Formation | 07/24/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A |  | N/A | No |
| 223759425 | [Redacted] | [Redacted] |  | 33953917 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | EIN is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-07-24): Received Employer Identification Number. Exception Cleared.<br>Buyer Comment (2025-07-22): EIN | 07/24/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A |  | N/A | No |
| 223759425 | [Redacted] | [Redacted] |  | 33953920 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note - Subject Lien is missing in file |  |  |  | Reviewer Comment (2025-08-29): Received Note - Subject with subject entity name included on the signature page. Exception Cleared.<br>Buyer Comment (2025-08-28): [redacted]Note<br>Reviewer Comment (2025-07-27): Provided Note does not have business entity name on signature page, and it is executed as individual and not as a member of business entity. Provide Note with business entity name on signature page. Exception remains.<br>Buyer Comment (2025-07-25): NOTE<br>Reviewer Comment (2025-07-24): Received HUD-1. Require executed Note for subject lien. Exception remains.<br>Buyer Comment (2025-07-22): HUD-1 | 08/29/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A |  | N/A | No |
| 223759425 | [Redacted] | [Redacted] |  | 33953921 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment is missing in file |  |  |  | Reviewer Comment (2025-08-29): Received Prepayment Addendum with business entity name included on the signature page. Exception Cleared.<br>Buyer Comment (2025-08-28): [redacted]PPP Addendum<br>Reviewer Comment (2025-07-27): Provided Note Addendum does not have business entity name on signature page, and it is executed as individual and not as a member of business entity. Provide Note Addendum with business entity name on signature page. Exception remains.<br>Buyer Comment (2025-07-25): See upload<br>Reviewer Comment (2025-07-24): Require executed Prepayment addendum to Note. Exception remains.<br>Buyer Comment (2025-07-22): Business Purpose Loan | 08/29/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A |  | N/A | Yes |
| 223759443 | [Redacted] | [Redacted] |  | 33953900 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-07-23): Appraisal receipt provided.<br>Buyer Comment (2025-07-21): Del Conf | 07/23/2025 |  |  | 1 B A |  | ID | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223759443 | [Redacted] | [Redacted] |  | 33953901 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-07-23): Appraisal receipt provided.<br>Buyer Comment (2025-07-21): Del Conf uploaded | 07/23/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223759443 | [Redacted] | [Redacted] |  | 33953902 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-07-23): Appraisal receipt provided.<br>Buyer Comment (2025-07-21): Del Conf uploaded | 07/23/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223759443 | [Redacted] | [Redacted] |  | 33953904 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional [redacted]-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [redacted] days prior to closing dated [redacted] disclosed an inaccurate APR of [redacted] % compared to the actual APR at consummation of [redacted] % and a revised CD disclosing an accurate APR was not received by borrower at least [redacted] business days prior to consummation. | Verification disclosure was delivered to borrower [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-07-22): [redacted] received proof of receipt.<br>Buyer Comment (2025-07-21): CD<br>Reviewer Comment (2025-07-17): [redacted] ([redacted])([redacted])([redacted]) and ([redacted]) require that the consumer receives accurate disclosures with the actual terms of the transaction at least [redacted] specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [redacted], revised disclosures with an accurate APR must be disclosed and a new [redacted]-day waiting period prior to consummation provided. The APR on the most recent CD received [redacted]days prior to consummation ([redacted]%) changed more than the [redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [redacted]business days prior to consummation. | 07/22/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A B | Non QM | Non QM | No |
| 223759443 | [Redacted] | [Redacted] |  | 33953905 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least[redacted] business days prior to consummation | Verification disclosure was delivered to borrower [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-07-22): [redacted]received CD dated [redacted].<br>Buyer Comment (2025-07-21): CD uploaded | 07/22/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A B | Non QM | Non QM | No |
| 223759443 | [Redacted] | [Redacted] |  | 33953906 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Valid COC dated [redacted] and [redacted]<br>Buyer Comment (2025-08-04): COC | 08/05/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes |
| 223759443 | [Redacted] | [Redacted] |  | 33953907 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as a combined $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Valid COC dated [redacted]<br>Buyer Comment (2025-08-04): COC uploaded | 08/05/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes |
| 223759443 | [Redacted] | [Redacted] |  | 33953908 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to [redacted] business days from transaction date of [redacted] | Subject loan disbursed on [redacted] prior to three business days from transaction date of [redacted] |  |  |  | Reviewer Comment (2025-08-19): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-15): [redacted], LOX, RTC, Tracking<br>Reviewer Comment (2025-07-23): Unable to clear. Loan disbursed on [redacted] prior to [redacted] business days from transaction date of [redacted] per security instrument.<br>Buyer Comment (2025-07-21): Final Settlement Statement | 08/19/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223759443 | [Redacted] | [Redacted] |  | 33953909 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Right to cancel expiration date occurs prior to expected date due to borrower signing a day after transaction date. |  |  |  | Reviewer Comment (2025-08-19): Corrected Right to Cancel document received and details updated. Exception cleared.<br>Buyer Comment (2025-08-15): [redacted], LOX, RTC, Tracking uploaded<br>Reviewer Comment (2025-07-23): Unable to clear. Loan disbursed on [redacted] prior to [redacted] business days from transaction date of [redacted] per security instrument.<br>Buyer Comment (2025-07-21): Final Settlement Statement uploaded | 08/19/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223759443 | [Redacted] | [Redacted] |  | 33953914 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-07-23): Final title provided. | 07/23/2025 |  |  | 1 A |  | ID | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223759443 | [Redacted] | [Redacted] |  | 33953918 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy amount of $[redacted] mismatches with loan amount of $[redacted] in the preliminary title policy. |  |  |  | Reviewer Comment (2025-07-23): Final title provided.<br>Buyer Comment (2025-07-22): Title Policy | 07/23/2025 |  |  | 1 B A |  | ID | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954681 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation | Closing Disclosure provided on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower within three business days prior to consummation. |  |  |  | Reviewer Comment (2025-08-27): [redacted] received interim CD dated[redacted].<br>Buyer Comment (2025-08-27): CD [redacted]<br>Reviewer Comment (2025-08-15): [redacted] received CD dated [redacted] without receipt. However, the issue relates to the APR increase over .[redacted]% from [redacted]% on the [redacted] initial CD to [redacted]% on the [redacted] CD which is not [redacted] business days prior to consummation date on [redacted]. Timing was not met.<br>Buyer Comment (2025-08-14): [redacted] CD | 08/27/2025 |  |  | 1 C A |  | IN | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954682 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-14): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-12): [redacted], LOX, PCCD, Ck Copy |  | 08/14/2025 |  | 2 C B |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223759863 | [Redacted] | [Redacted] |  | 33954683 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-14): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-12): [redacted], LOX, PCCD, Ck Copy uploaded |  | 08/14/2025 |  | 2 C B |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223759863 | [Redacted] | [Redacted] |  | 33954684 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Title - Settlement / Closing / Escrow Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-14): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-12): [redacted], LOX, PCCD, Ck Copy uploaded |  | 08/14/2025 |  | 2 C B |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223759863 | [Redacted] | [Redacted] |  | 33954685 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Title - Endorsement Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-02): [redacted], LOX, PCCD, Ck Copy, Tracking<br>Reviewer Comment (2025-08-15): [redacted]; the endorsement fee of $[redacted]added is in section [redacted] of revised LE dated [redacted] and provided COC does not give sufficient information for the endorsement fee added. Whereas on Final CD the fee disclosed of $[redacted]in section [redacted] of CD borrower cannot shopped for service section. hence the fee was automatically calculated under [redacted]% tolerance. provide valid COC for the fee added or Cure would be due to borrower.<br>Buyer Comment (2025-08-14): Pg [redacted] lists a title endorsement fee in Section [redacted] as a shoppable fee<br>Reviewer Comment (2025-08-14): [redacted] received cure documents for $[redacted], however total cure required is $[redacted]. Please provide additional cure of [redacted] with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-12): [redacted], LOX, PCCD, Ck Copy uploaded |  | 09/03/2025 |  | 2 C B |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223759863 | [Redacted] | [Redacted] |  | 33954731 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Provided only one month statement and most recent two month bank statements required for #[redacted] . |  |  |  | Reviewer Comment (2025-07-29): Cleared. Per client, retirement accounts not needed to qualify. Updated to [redacted]% usability. | 07/29/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954732 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Provided only one month statement and most recent two month bank statements required for #[redacted] . |  |  |  | Reviewer Comment (2025-07-29): Cleared. Per client, retirement accounts not needed to qualify. Updated to [redacted]% usability. | 07/29/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954733 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Provided only one month statement and most recent two month bank statements required for #[redacted] . |  |  |  | Reviewer Comment (2025-07-29): Cleared. Per client, retirement accounts not needed to qualify. Updated to [redacted]% usability. | 07/29/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954743 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing most recent two months bank statements for accounts #[redacted] . |  |  |  | Reviewer Comment (2025-07-29): Cleared. Per client, retirement accounts not needed to qualify. Updated to [redacted]% usability. | 07/29/2025 |  |  | 1 B A C |  | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223759863 | [Redacted] | [Redacted] |  | 33954744 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to missing most recent [redacted] months bank statements for accounts #[redacted] and #[redacted] . |  |  |  | Reviewer Comment (2025-07-29): Cleared. Per client, retirement accounts not needed to qualify. Updated to [redacted]% usability. | 07/29/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954746 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing most recent two months bank statements for accounts[redacted] and #[redacted] . |  |  |  | Reviewer Comment (2025-07-29): Cleared. Per client, retirement accounts not needed to qualify. Updated to [redacted]% usability. | 07/29/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954755 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is present in file :<br>B2 [redacted] transcript did not return [redacted] from [redacted] for $[redacted] . Borrower spoke to employer to find out why the IRS doesn't have record of the [redacted] , they advised her that they did submit all [redacted] to IRS as required. She contacted IRS and they told her sometimes they're just delayed in showing up. She's provided all the deposits she could find for [redacted] but it only confirms $[redacted] which is [redacted] % of the [redacted] gross. Qualifying FICO [redacted] pts above min [redacted] required. LTV is [redacted] % below max [redacted] % [redacted] months reserves are [redacted] months above min required Personal Checking/Savings/Retirement used for qualifying Assets. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-29): Client elects to waive with compensating factors. |  |  | 07/29/2025 | 2 C B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223759863 | [Redacted] | [Redacted] |  | 33954770 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing most recent two months bank statements for accounts #[redacted] . |  |  |  | Reviewer Comment (2025-07-29): Cleared. Per client, retirement accounts not needed to qualify. Updated to [redacted]% usability. | 07/29/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223764521 | [Redacted] | [Redacted] |  | 33958754 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in file. |  |  |  | Reviewer Comment (2025-07-23): Received Articles of Organization/Formation document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-07-21): COF | 07/23/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33958755 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2025-07-23): Received Certificate of Good Standing document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-07-21): COGS | 07/23/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33958769 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in file. |  |  |  | Reviewer Comment (2025-07-23): Received Corporate Resolution document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-07-21): Resolution | 07/23/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33958772 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) is missing in file. |  |  |  | Reviewer Comment (2025-07-23): Received Employer Identification Number (EIN) document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-07-21): EIN | 07/23/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33958778 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment details are missing. |  |  |  | Reviewer Comment (2025-08-19): Received Note Addendum - Prepayment. Exception Cleared.<br>Buyer Comment (2025-08-15): PPNA | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | Yes |
| 223764521 | [Redacted] | [Redacted] |  | 33958781 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Prepayment rider is incomplete. Prepayment details are missing. |  |  |  | Reviewer Comment (2025-08-19): Received Prepayment rider. Exception Cleared.<br>Buyer Comment (2025-08-15): Prepayment Rider | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33958782 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file. |  |  |  | Reviewer Comment (2025-07-23): Received Operating Agreement for business entity. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-07-21): OA | 07/23/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33975006 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for Unacceptable Property Type. Mixed use property is not primarily residential in nature. \*\*\*Unable to downgrade/waive due to missing verification of terms of prepayment penalty\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-03): Received updated lender exception.<br>Buyer Comment (2025-08-29): Exception - [redacted] Disposition Comments - Counteroffer on LTV to a max of [redacted]%. Reduced the PPP down to a one year min<br>Reviewer Comment (2025-08-19): The lender exception required a [redacted] year PPP. The prepayment provided is only for [redacted] year.<br>Buyer Comment (2025-08-15): Prepayment Addendum/Rider, Corrective Mortgage |  |  | 09/03/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33975020 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for use of [redacted] on mixed use property \*\*\*Unable to downgrade/waive due to missing verification of terms of prepayment penalty\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-29): Exception - [redacted] Disposition Comments - Counteroffer on LTV to a max of [redacted]%. Reduced the PPP down to a one year min<br>Reviewer Comment (2025-08-19): The lender exception required a [redacted] year PPP. The prepayment provided is only for [redacted] year.<br>Buyer Comment (2025-08-15): Docs uploaded |  |  | 09/03/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33975034 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for min occupancy with [redacted]is [redacted]% . \*\*\*Unable to downgrade/waive due to missing verification of terms of prepayment penalty\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-29): Exception - [redacted] Disposition Comments - Counteroffer on LTV to a max of [redacted]%. Reduced the PPP down to a one year min<br>Reviewer Comment (2025-08-19): The lender exception required a [redacted] year PPP. The prepayment provided is only for [redacted] year.<br>Buyer Comment (2025-08-15): Docs uploaded |  |  | 09/03/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764521 | [Redacted] | [Redacted] |  | 33975068 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for Only using SFR with [redacted]. \*\*\*Unable to downgrade/waive due to missing verification of terms of prepayment penalty\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-29): Exception - [redacted] Disposition Comments - Counteroffer on LTV to a max of [redacted]%. Reduced the PPP down to a one year min<br>Reviewer Comment (2025-08-19): The lender exception required a [redacted] year PPP. The prepayment provided is only for [redacted] year.<br>Buyer Comment (2025-08-15): Docs uploaded |  |  | 09/03/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223764523 | [Redacted] | [Redacted] |  | 33956788 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing in file. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-14): 1003 | 08/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223764809 | [Redacted] | [Redacted] |  | 33960753 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to Exception to use rental income from the commercial unit in the subject mixed-use property where the lease for the commercial retail store space has started (m, [redacted]) but that commercial/retail tenant has not yet opened their store as of the appraisal inspection date is Approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-19): Client elects to waive with compensating factors. |  |  | 07/19/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223764809 | [Redacted] | [Redacted] |  | 33960767 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to "Subject is a mixed used property with a minimum DSCR requirement of [redacted]. Seeking exception for DSCR of less than [redacted]for mixed used property. \*\*\*Unable to downgrade/waive. Lease agreements for the residential units are not located in the file.\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-07-29): Unable to clear. Per guidelines, estoppel certificates are allowed on purchase transaction but not refinance transactions.<br>Buyer Comment (2025-07-25): Please see pg [redacted] and [redacted] for residential units and cancel this condition |  |  | 08/21/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223764809 | [Redacted] | [Redacted] |  | 33984954 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease agreements for both residential units are not located in the file. |  |  |  | Reviewer Comment (2025-08-21): Cleared. Estoppel Certs provided reflect The tenant's name, Address, <br> Monthly rent, and How long the lease has been active. Lease amounts used are less than the market rent.<br>Reviewer Comment (2025-07-29): Unable to clear. Per guidelines, estoppel certificates are allowed on purchase transaction but not refinance transactions.<br>Reviewer Comment (2025-07-29): Lease agreement for unit [redacted] and unit [redacted] are located in the file. Recent [redacted] months rent receipt for both the units will be required as provided lease agreement is not active per the note date. Exception remains.<br>Buyer Comment (2025-07-25): Please see pg [redacted] and [redacted] for residential units and cancel this condition | 08/21/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962849 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy coverage is less than original loan amount. |  |  |  | Reviewer Comment (2025-07-28): Received Title final. Exception Cleared.<br>Buyer Comment (2025-07-25): Title | 07/28/2025 |  |  | 1 B A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962853 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-28): Received Title Final. Exception Cleared | 07/28/2025 |  |  | 1 A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962855 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of organization/formation is missing in file. |  |  |  | Reviewer Comment (2025-07-25): Received Articles of Organization. Exception Cleared.<br>Buyer Comment (2025-07-24): Certificate of Organization<br>Reviewer Comment (2025-07-24): Received only certificate of good standing. Require Articles of organization/formation. Exception Remains.<br>Buyer Comment (2025-07-22): AOO | 07/25/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962857 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in file. |  |  |  | Reviewer Comment (2025-07-24): Received Certificate of good standing. Exception Cleared.<br>Buyer Comment (2025-07-22): COGS | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962858 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer identification number is missing in file. |  |  |  | Reviewer Comment (2025-07-24): Received Employer identification number. Exception Cleared.<br>Buyer Comment (2025-07-22): EIN | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962873 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution is missing in file. |  |  |  | Reviewer Comment (2025-08-08): Received Corporate Resolution. Exception cleared.<br>Buyer Comment (2025-08-07): Resolution | 08/08/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962875 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing in file. |  |  |  | Reviewer Comment (2025-07-24): Received Operating agreement. Exception Cleared.<br>Buyer Comment (2025-07-22): OA | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 33962933 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved [redacted]% LTV exception requested due to guideline max of [redacted]% with compensating factor of Long Term Home Ownership (>[redacted]years). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-07-30): Client elects to waive with compensating factors. |  |  | 07/30/2025 | 2 C B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223764903 | [Redacted] | [Redacted] |  | 34249436 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for use of long term lease for DSCR calculation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-08-20): Client elects to waive with compensating factors. |  |  | 08/20/2025 | 2 B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223768579 | [Redacted] | [Redacted] |  | 33962824 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-08): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-07): Cure docs |  | 08/08/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223768579 | [Redacted] | [Redacted] |  | 33962825 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee $[redacted]was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-08): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-07): See upload |  | 08/08/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223770002 | [Redacted] | [Redacted] |  | 33968220 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Tax Verification not provided for property address-[redacted]. |  |  |  | Reviewer Comment (2025-07-30): Received HOA document for REO property "Address: [redacted]", information validated. Exception Cleared.<br>Buyer Comment (2025-07-29): hoa<br>Reviewer Comment (2025-07-28): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br>Reviewer Comment (2025-07-25): Still there is difference of $[redacted]. Required HOA verification document for reo property - [redacted]. Exception remains.<br>Buyer Comment (2025-07-24): reo docs | 07/30/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 223770002 | [Redacted] | [Redacted] |  | 33968410 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | HO-6 policy not provided. |  |  |  | Reviewer Comment (2025-07-28): Master policy contains walls in coverage. Exception cleared.<br>Buyer Comment (2025-07-24): insurance provides walls in coverage | 07/28/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 223770002 | [Redacted] | [Redacted] |  | 33968647 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal dated [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-07-28): Confirmation of receipt of the [redacted] appraisal is located in the file.<br>Buyer Comment (2025-07-24): No appraisal dated [redacted]. Please cancel or provide document number of [redacted] appraisal | 07/28/2025 |  |  | 1 B A |  | HI | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 223770015 | [Redacted] | [Redacted] |  | 33966668 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Master coverage policy is missing in the file. |  |  |  | Reviewer Comment (2025-08-01): Insurance documents received, exception cleared.<br>Buyer Comment (2025-07-30): Master | 08/01/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223770015 | [Redacted] | [Redacted] |  | 33966672 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  |  |  |  |  | Reviewer Comment (2025-08-08): CDA was provided<br>Buyer Comment (2025-08-06): CDA<br>Reviewer Comment (2025-07-30): Received duplicate appraisal. The issue is the AVM provided does not support the appraisal provided. The lower value would need to be utilized per lender guides. Please advise.<br>Buyer Comment (2025-07-28): appraisal report | 08/08/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223770015 | [Redacted] | [Redacted] |  | 33966751 |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Master coverage policy is missing in the file. |  |  |  | Reviewer Comment (2025-08-01): Insurance documents received, exception cleared.<br>Buyer Comment (2025-07-30): see uploaded | 08/01/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223770015 | [Redacted] | [Redacted] |  | 33966769 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted]business days to closing. |  |  |  | Reviewer Comment (2025-07-30): Appraisal delivery receipt. Exception Cleared.<br>Buyer Comment (2025-07-28): sure receipt | 07/30/2025 |  |  | 1 B A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223770015 | [Redacted] | [Redacted] |  | 33966770 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted]business days to closing. |  |  |  | Buyer Comment (2025-07-30): Ok to waive EV2 condition<br>Reviewer Comment (2025-07-30): Provided receipt is of [redacted] which is prior to the appraisal. Exception Remains.<br>Buyer Comment (2025-07-28): Sure receipt |  |  | 07/30/2025 | 2 B |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223770015 | [Redacted] | [Redacted] |  | 34740699 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-20): Client elects to waive. |  |  | 10/20/2025 | 2 A B |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223770110 | [Redacted] | [Redacted] |  | 33966965 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-11): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-07): Cure docs attached |  | 08/11/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223770110 | [Redacted] | [Redacted] |  | 33966966 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-11): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-07): Cure docs |  | 08/11/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223770110 | [Redacted] | [Redacted] |  | 33967006 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved to allow use of Private VOR. Borrower rents with landlord and all payments are cash - VOR from landlord provided in file confirming no delinquencies. Min [redacted] months reserves. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-21): Client elected to waive exceptions with compensating factors. |  |  | 07/21/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223770110 | [Redacted] | [Redacted] |  | 33990057 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter is provided doesn't confirm withdrawals from account won't have negative impact please associate the CPA letter. |  |  |  | Reviewer Comment (2025-07-31): Received cash flow analysis for the account #[redacted]. Exception cleared. | 07/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223774973 | [Redacted] | [Redacted] |  | 33966833 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to use VOR from private party for borrower's primary residence is approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-21): Lender Exception with Compensating Factors. |  |  | 07/21/2025 | 2 B |  | AZ | Investment | Purchase | B A |  | N/A | No |
| 223778619 | [Redacted] | [Redacted] |  | 33973486 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure provided to the borrower. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-25): proof of delivery<br>Reviewer Comment (2025-08-13): [redacted] received PCCD, LOE, Copy of check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-12): LOX PCCD LABEL & CURE CHECK UPLOADED<br>Reviewer Comment (2025-07-28): [redacted] received LOX. However, we would require a valid COC for the fee added on CD dated [redacted].Kindly provide a valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-07-25): CHANGE OF CIRCUMSTANCE WAS DONE FOR BOTH APPRAISAL DESK REVIEW FEE & RE-INSPECTION FEE |  | 08/26/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223778619 | [Redacted] | [Redacted] |  | 33973487 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-25): proof of delivery<br>Reviewer Comment (2025-08-13): [redacted] received PCCD, LOE, Copy of check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-12): SEE UPLOADED LOX PCCD LABEL & CURE CHECK<br>Reviewer Comment (2025-07-28): [redacted] received LOX. However, we would require a valid COC for the fee added on CD dated [redacted].Kindly provide a valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-07-25): SEE UPLOADED CHANGE OF CIRCUMSTANCE WAS DONE FOR BOTH APPRAISAL DESK REVIEW FEE & RE-INSPECTION FEE |  | 08/26/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223778850 | [Redacted] | [Redacted] |  | 33996714 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  |  |  |  |  | Reviewer Comment (2025-07-31): Provided purchase contract & HUD-1 of previous sale of property per which [redacted] is sole owner of [redacted]. Subsequently received CPA letter which suggest borrower is sole owner of [redacted]. Exception cleared.<br>Buyer Comment (2025-07-30): Please see attached CPA letter confirming Bwr is [redacted]% sole owner Resource Equity and matches the Cert of Authority of Resource Holdings signed by [redacted] and notarized. This confirms ownership in property and not a FTHB.<br>Reviewer Comment (2025-07-28): Received sales contract reflects [redacted] as Its sole member. Provide Operating agreement of [redacted] to verify the entity members. Exception remains.<br>Buyer Comment (2025-07-25): Please see attached HUD1 of recent sale of investment property and revised 1003. Bwr is not a FTHB. | 07/31/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223782833 | [Redacted] | [Redacted] |  | 34007531 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted]year Tax return or filing extension is missing. |  |  |  | Reviewer Comment (2025-08-22): Client elects to waive.<br>Buyer Comment (2025-08-21): Tax extension |  |  | 08/22/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223782833 | [Redacted] | [Redacted] |  | 34007532 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted]year Tax return or filing extension is missing. |  |  |  | Reviewer Comment (2025-08-22): Client elects to waive.<br>Buyer Comment (2025-08-21): tax extension |  |  | 08/22/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223782833 | [Redacted] | [Redacted] |  | 34007533 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted]year Tax return or filing extension is missing. |  |  |  | Reviewer Comment (2025-08-22): Client elects to waive. |  |  | 08/22/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223782833 | [Redacted] | [Redacted] |  | 34007535 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Settlement / Closing / Escrow Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-13): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-12): PCCD |  | 08/13/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223782833 | [Redacted] | [Redacted] |  | 34007536 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-13): Cured in error<br>Reviewer Comment (2025-08-13): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/13/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223782904 | [Redacted] | [Redacted] |  | 34004992 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-07): Rebuttal | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223782904 | [Redacted] | [Redacted] |  | 34005069 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-29): Received Final Title policy document with policy amount ,information validated accordingly. Exception Cleared.<br>Buyer Comment (2025-07-28): Title Policy | 07/29/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223782904 | [Redacted] | [Redacted] |  | 34005077 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy |  |  |  | Reviewer Comment (2025-07-29): Received Final Title policy document with policy amount ,information validated accordingly. Exception Cleared. | 07/29/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223782904 | [Redacted] | [Redacted] |  | 34012784 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of [redacted] is less than Guideline Available for Reserves of $[redacted] |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-15): CPA letter uploaded | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223782904 | [Redacted] | [Redacted] |  | 34012814 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $[redacted]are insufficient to meet cash to close of $[redacted].. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-15): CPA letter uploaded | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223782904 | [Redacted] | [Redacted] |  | 34012825 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter is provided doesn't confirm withdrawals from account won't have negative impact please associate the CPA letter. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-14): CPA | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223782904 | [Redacted] | [Redacted] |  | 34176010 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided At Closing |  | 08/11/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223785433 | [Redacted] | [Redacted] |  | 34008609 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Title final is missing on file |  |  |  | Reviewer Comment (2025-09-02): Received Final Title Policy with correct loan amount. Exception cleared. | 09/02/2025 |  |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223785433 | [Redacted] | [Redacted] |  | 34008623 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | supplement report or title final is missing on file |  |  |  | Reviewer Comment (2025-09-02): Received Final Title Policy with correct loan amount. Exception cleared.<br>Buyer Comment (2025-08-29): Title | 09/02/2025 |  |  | 1 B A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223785433 | [Redacted] | [Redacted] |  | 34008691 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Settlement / Closing / Escrow Fee. was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-08): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-08-07): [redacted], LOX, PCCD, Ck Copy |  | 08/08/2025 |  | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223785433 | [Redacted] | [Redacted] |  | 34009274 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final closing disclosure dated [redacted]<br> disclosed a Amount Financed of $[redacted]. Calculated Amount Financed is $[redacted]creating variance of $[redacted] |  |  |  | Reviewer Comment (2025-08-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-08-25): RTC<br>Reviewer Comment (2025-08-08): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2025-08-07): [redacted], LOX, PCCD, Ck Copy uploaded |  | 08/26/2025 |  | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223785433 | [Redacted] | [Redacted] |  | 34009275 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[redacted]). | Final closing disclosure dated [redacted]<br> disclosed a finance Charge of $[redacted]. Calculated finance charge is $[redacted]creating variance of -$[redacted] |  |  |  | Reviewer Comment (2025-08-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-08-25): RTC docs uploaded<br>Reviewer Comment (2025-08-08): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2025-08-07): [redacted], LOX, PCCD, Ck Copy uploaded |  | 08/26/2025 |  | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223789377 | [Redacted] | [Redacted] |  | 34014494 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. Blend report did not show the econsent date. |  |  |  | Reviewer Comment (2025-07-29): Received E-Sign Consent Agreement document, information validated. Exception Cleared.<br>Buyer Comment (2025-07-28): E Consent | 07/29/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223789377 | [Redacted] | [Redacted] |  | 34014503 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Attorney's Fee of $[redacted]was added without nay valid changed circumstances. No cure was provided. |  |  |  | Reviewer Comment (2025-08-13): [redacted] received Post CD and LOX.<br>Buyer Comment (2025-08-12): Email from Title<br>Buyer Comment (2025-08-12): LOX, PCCD | 08/13/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223789377 | [Redacted] | [Redacted] |  | 34014504 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is missing. |  |  |  | Reviewer Comment (2025-09-19): Using alternative application date for this loan only. Issue being corrected. Condition cleared.<br>Reviewer Comment (2025-09-18): An initial application is required to support the application date.<br>Buyer Comment (2025-09-17): Please advise why we would need to provide an executed initial 1003 when an executed final 1003 was provided. There is no requirement that both must be signed.<br>Reviewer Comment (2025-08-27): Require signed and dated initial 1003. Exception Remains.<br>Buyer Comment (2025-08-25): ITP<br>Reviewer Comment (2025-08-04): Require signed and dated initial 1003. Exception Remains.<br>Buyer Comment (2025-08-01): Disclosure Tracking | 09/19/2025 |  |  | 1 B A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223789627 | [Redacted] | [Redacted] |  | 34014536 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Only [redacted] month bank statement provided. Require at least [redacted]months statement. |  |  |  | Reviewer Comment (2025-07-29): Provided bank statement with account number #[redacted] is a new account opened on [redacted]. Exception cleared.<br>Buyer Comment (2025-07-28): Please see attached rebuttal re: missing additional bank statement. | 07/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223789627 | [Redacted] | [Redacted] |  | 34014563 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender request exception for [redacted] DSCR when using Short Term Rental/[redacted]to calculate the DSCR (which normally requires minimum [redacted] DSCR) has been approved as a counteroffer: DSCR must be =/>[redacted]. Exception [redacted] cited above is in addition to (i.e., over and above) any and all rate sheet [redacted] that may apply including [redacted]for DSCR [redacted]. All other Signature Expanded Guidelines must be met including reserve requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-23): Client elected to waive exceptions with compensating factors. |  |  | 07/23/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223789762 | [Redacted] | [Redacted] |  | 34025396 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to evidence of [redacted]Loan for $[redacted]is missing in file. |  |  |  | Reviewer Comment (2025-08-05): Final CD was provided for bridge loan refinance, exception cleared.<br>Buyer Comment (2025-07-31): CD | 08/05/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223789762 | [Redacted] | [Redacted] |  | 34025397 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to evidence of [redacted]Loan for $[redacted]is missing in file. |  |  |  | Reviewer Comment (2025-08-05): Final CD was provided for bridge loan refinance, exception cleared. | 08/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223789762 | [Redacted] | [Redacted] |  | 34025398 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement amount $[redacted]does match Final Closing Disclosure [redacted] page $[redacted]. |  |  |  | Reviewer Comment (2025-08-19): Signed Initial Escrow disclosure statement received. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-18): IEAD<br>Reviewer Comment (2025-08-11): Please provide signed and dated IEAD to verify the escrow balance. Exception remains.<br>Buyer Comment (2025-08-08): IEAD<br>Reviewer Comment (2025-07-29): Exception remains: Starting escrow balance of $[redacted] in IEAD is not matching with escrow balance disclosed on CD issued on [redacted] [redacted]<br>Buyer Comment (2025-07-28): Final CD and IEAD are matching please clear | 08/19/2025 |  |  | 1 B A |  | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| 223789762 | [Redacted] | [Redacted] |  | 34025399 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as Total $[redacted]on Loan Estimate dated [redacted] but disclosed as Total $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-15): [redacted] Received Corrected PCCD, LOE and Settlement statement.<br>Buyer Comment (2025-08-14): FSS<br>Reviewer Comment (2025-08-12): [redacted] received Post CD and LOX by reducing title fees and recording. However, we would also require True and certified Final [redacted] in order to verify the fees.<br>Buyer Comment (2025-08-08): PCCD | 08/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223789762 | [Redacted] | [Redacted] |  | 34025400 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as Total $[redacted]on Loan Estimate dated [redacted] but disclosed as Total $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-19): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-08-18): PCCD |  | 08/19/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223789762 | [Redacted] | [Redacted] |  | 34025401 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-19): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. |  | 08/19/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223789762 | [Redacted] | [Redacted] |  | 34025403 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Evidence of [redacted]Loan for $[redacted]is missing in file. |  |  |  | Reviewer Comment (2025-07-31): Received Closing Disclosure for bridge loan. Exception cleared.<br>Buyer Comment (2025-07-29): CD | 07/31/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223789762 | [Redacted] | [Redacted] |  | 34025408 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to evidence of [redacted]Loan for $[redacted]is missing in file. |  |  |  | Reviewer Comment (2025-08-05): Final CD was provided for bridge loan refinance, exception cleared. | 08/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223789762 | [Redacted] | [Redacted] |  | 34033071 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per lender guides, [redacted]months bank statements are required for Asset Utilization program. The following accounts are missing a complete [redacted]months statements. Account ending [redacted]only has [redacted]month. An additional [redacted]consecutive months is required. Account ending [redacted]only has [redacted]months. An additional [redacted]consecutive months is required. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: Asset Depletion (No DTI)<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-05): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-05): Lender exception provided for use of either 1) Utilize method [redacted] of Asset qualifier, 2; Use of business funds (business funds deposited into borrowers checking account - deposited two large deposits in [redacted] and [redacted], seasoned funds) in which we would have an overage of [redacted]%, or [redacted]) Being short - [redacted]% overall in method [redacted] calculation. Lender correspondence/rebuttal states approval is for allowing utilization of all shared accounts.<br>Buyer Comment (2025-07-31): Please see attached exception approval, loe, income worksheet and rebuttal for review |  |  | 08/05/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223789762 | [Redacted] | [Redacted] |  | 34033204 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use [redacted]% of the trust funds held with non-borrowing spouse. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: Asset Depletion (No DTI)<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223790368 | [Redacted] | [Redacted] |  | 34025437 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-15): CD received confirming PITIA. Exception Cleared.<br>Buyer Comment (2025-08-13): final cd and [redacted] payment ltr.uploaded<br>Reviewer Comment (2025-08-12): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted], Address: [redacted]<br> EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Other<br> Statement<br>Reviewer Comment (2025-08-12): UPDATE: The file is missing a current mortgage statement for the [redacted] property.<br>Buyer Comment (2025-08-08): Borrower is on the deed of primary residence but is not responsible for the mtg payment. Included taxes & ins for borrowers monthly PITIA as an owner, she is responsible for the taxes & ins. See mortgage statement [redacted]. Borrower is not on mortgage)<br>Buyer Comment (2025-08-08): please cancel condition, mortgage stmnt was provided on [redacted]<br>Reviewer Comment (2025-07-31): P&I payment is not considered for DTI ratio; borrower is responsible for tax and insurance. Require tax and insurance verification document of escrow payment of $[redacted]. Exception Remains.<br>Buyer Comment (2025-07-30): HOA CERT<br>Buyer Comment (2025-07-30): [redacted] REO DOCS | 08/15/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B | N/A | N/A | No |
| 223790368 | [Redacted] | [Redacted] |  | 34025480 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal at least [redacted]business days to closing. |  |  |  | Reviewer Comment (2025-08-11): Appraisal receipt received and verified. Exception cleared<br>Buyer Comment (2025-08-08): Borrower did waive their right to an appraisal [redacted]-days prior to closing<br>Reviewer Comment (2025-07-31): Provided delivery receipt is not within ([redacted]) business days prior to closing. Exception Remains.<br>Buyer Comment (2025-07-30): APPRAISAL DELIVERY [redacted] | 08/11/2025 |  |  | 1 B A |  | NY | Investment | Purchase | C A B | N/A | N/A | No |
| 223791316 | [Redacted] | [Redacted] |  | 34022762 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note is missing the name of borrowing business entity on signature page. |  |  |  | Reviewer Comment (2025-08-28): Received Note. Exception Cleared.<br>Buyer Comment (2025-08-27): Note | 08/28/2025 |  |  | 1 D A |  | MA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223791324 | [Redacted] | [Redacted] |  | 34023889 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note is missing [redacted]year Interest Only terms. |  |  |  | Reviewer Comment (2025-10-20): Corrected Note provided along with destroyed note affidavit.<br>Buyer Comment (2025-10-20): Destroyed Note Affidavit<br>Buyer Comment (2025-10-20): Note<br>Reviewer Comment (2025-10-02): Provided note signed as managing member. Require Note signed as an individual along with managing member of business entity. Exception Remains.<br>Buyer Comment (2025-10-01): Note<br>Reviewer Comment (2025-08-11): Rental was updated, however the issue here is the loan has an IO component. The note is not an interest only note.<br>Buyer Comment (2025-08-07): Please update the rental income used for DSCR ratio to $[redacted]per the exception approval. Portal currently shows lower appraisal market rents being used and is causing a data discrepancy for securitization. Thank you! | 10/20/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 223791324 | [Redacted] | [Redacted] |  | 34024244 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow DSCR less than [redacted]and less than [redacted]% occupancy rate on [redacted]report. Using [redacted] the proposed rental income would be $[redacted]per month with a DSCR of [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-24): Preapproved exception |  |  | 07/24/2025 | 2 B |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 223791657 | [Redacted] | [Redacted] |  | 34034739 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2025-08-14): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-13): PCCD with cure |  | 08/14/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223791702 | [Redacted] | [Redacted] |  | 34032640 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception due to missing P&L statement. |  |  |  | Reviewer Comment (2025-08-08): P&L prepared by CPA received, business narrative not required exception cleared.<br>Reviewer Comment (2025-08-06): The audited P&L statements covering [redacted] months to verify income are not located in the file. The Business Narrative is not located in the file.<br>Buyer Comment (2025-08-04): Exception | 08/08/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223791702 | [Redacted] | [Redacted] |  | 34032641 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | P&L statement not provided. |  |  |  | Reviewer Comment (2025-08-08): P&L prepared by CPA received, business narrative not required exception cleared.<br>Reviewer Comment (2025-08-06): The audited P&L statements covering [redacted] months to verify income are not located in the file. The Business Narrative is not located in the file.<br>Buyer Comment (2025-08-04): Exception | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223791702 | [Redacted] | [Redacted] |  | 34032652 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-19): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-08-18): Delivered today<br>Reviewer Comment (2025-08-14): [redacted] received Corrected PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-13): PCCD with cure |  | 08/19/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223791702 | [Redacted] | [Redacted] |  | 34032674 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to missing P&L statement. |  |  |  | Reviewer Comment (2025-08-08): P&L prepared by CPA received, business narrative not required exception cleared.<br>Reviewer Comment (2025-08-06): The audited P&L statements covering [redacted] months to verify income are not located in the file. The Business Narrative is not located in the file.<br>Buyer Comment (2025-08-04): Exception | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223791702 | [Redacted] | [Redacted] |  | 34032677 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | P&L statement not provided. |  |  |  | Reviewer Comment (2025-08-08): P&L prepared by CPA received, business narrative not required exception cleared.<br>Buyer Comment (2025-08-07): P&L<br>Reviewer Comment (2025-08-06): The audited P&L statements covering [redacted] months to verify income are not located in the file. The Business Narrative is not located in the file.<br>Buyer Comment (2025-08-04): Exception | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223791702 | [Redacted] | [Redacted] |  | 34032705 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | P$L statement and Business narrative document not provided. |  |  |  | Reviewer Comment (2025-08-08): P&L prepared by CPA received, business narrative not required exception cleared.<br>Buyer Comment (2025-08-06): P&L<br>Reviewer Comment (2025-08-06): The audited P&L statements covering [redacted] months to verify income are not located in the file. The Business Narrative is not located in the file.<br>Buyer Comment (2025-08-04): Exception | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223791702 | [Redacted] | [Redacted] |  | 34032792 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to P&L program - majority of income is coming from social security. P&L income $[redacted]vs social security $[redacted]. Per guidelines, majority of income must come from self employment/P&L. | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-08): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-06): P&L |  |  | 08/08/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223791702 | [Redacted] | [Redacted] |  | 34032798 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to Short reserves. See attachment provided by UW of complete breakdown. We need $[redacted]cash to close/reserves and we have $[redacted]. Short about $[redacted]. The funds are made up of cash to close [redacted] months PITIA[redacted] months departing primary [redacted] months excluding departing primary (obtained appraisal). The cash to close is coming from bridge loan and checking account. The checking account is all gifts from multiple donors. Borrower needs [redacted]% contribution which we can get from the proceeds from bridge loan ($[redacted]). We can also count the [redacted]loan for the little reserves we do have so that reserves are not coming from gift funds. The assets are quite convoluted but that should work in terms of [redacted]% contribution and reserves. However, we are short overall and will require exception. | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-08): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-07-25): preapproved exception |  |  | 08/08/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223791703 | [Redacted] | [Redacted] |  | 34024574 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The correct borrower was a business entity. Note is missing the business entity. |  |  |  | Reviewer Comment (2025-08-27): Received corrected note. Condition cleared.<br>Buyer Comment (2025-08-25): updated note and prepayment addendum | 08/27/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 223791989 | [Redacted] | [Redacted] |  | 34047864 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow DSCR less than [redacted]for borrower with no landlord experience. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-27): Client elected to waive exceptions with compensating factors. |  |  | 07/27/2025 | 2 B |  | WA | Investment | Purchase | B A |  | N/A | No |
| 223792078 | [Redacted] | [Redacted] |  | 34034130 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-08-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-14): Lender credit given in Final CD please clear | 08/15/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223792078 | [Redacted] | [Redacted] |  | 34034131 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Commitment Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-08-18): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-15): PCCD<br>Reviewer Comment (2025-08-11): [redacted] received COC dated [redacted] for increase in fee due to increase in loan amount on [redacted] which is prior to [redacted] business days from the fee increased. Since the changes made are not within [redacted] business days we need more information to validate when lender has received the updated statement or cure would be due to the borrower.<br>Buyer Comment (2025-08-08): COC |  | 08/18/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223792078 | [Redacted] | [Redacted] |  | 34034132 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-08-18): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/18/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223792078 | [Redacted] | [Redacted] |  | 34034295 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Additional asset is required to meet the reserve requirement. |  |  |  | Reviewer Comment (2025-07-31): Received updated Final 1003 and pre escrow deposit document for reserves requirement. Exception cleared.<br>Buyer Comment (2025-07-30): We have enough reserves please see attached | 07/31/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223792078 | [Redacted] | [Redacted] |  | 34034311 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Additional asset is required to meet the reserve requirement. |  |  |  | Reviewer Comment (2025-07-31): Received updated Final 1003 and pre escrow deposit document for reserves requirement. Exception cleared. | 07/31/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223792078 | [Redacted] | [Redacted] |  | 34034312 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Additional asset is required to meet the reserve requirement. |  |  |  | Reviewer Comment (2025-07-31): Received updated Final 1003 and pre escrow deposit document for reserves requirement. Exception cleared. | 07/31/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223795372 | [Redacted] | [Redacted] |  | 34038607 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Asset statements provided must cover at least [redacted]days on purchases. Provide one more recent month bank statement. |  |  |  | Reviewer Comment (2025-08-08): Newly opened account, exception cleared.<br>Buyer Comment (2025-08-06): LOE<br>Reviewer Comment (2025-08-01): Require Explanation letter to confirm account #[redacted]is newly opened. Exception Remains.<br>Buyer Comment (2025-07-31): Account was newly opened | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223795372 | [Redacted] | [Redacted] |  | 34038610 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-07-31): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-07-30): Lender credit of $[redacted] was given on the Final CD | 07/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223795372 | [Redacted] | [Redacted] |  | 34038611 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-18): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-15): PCCD |  | 08/18/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223795373 | [Redacted] | [Redacted] |  | 34037780 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Business Bank Statement covering a [redacted]-month period from [redacted]. |  |  |  | Reviewer Comment (2025-08-06): Received [redacted] month bank statement. Exception cleared.<br>Buyer Comment (2025-08-05): [redacted] stmt | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223795373 | [Redacted] | [Redacted] |  | 34037801 |  |  | Credit | Income | Document Error | Income | Bank statement page number is blank. |  | Missing Business Bank Statement covering a [redacted]-month period from [redacted] |  |  |  | Reviewer Comment (2025-08-06): Received [redacted] month bank statement. Exception cleared.<br>Buyer Comment (2025-08-05): see [redacted]statement uploaded | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223795373 | [Redacted] | [Redacted] |  | 34037841 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing Business Bank Statement covering a [redacted]-month period from [redacted]. |  |  |  | Reviewer Comment (2025-08-06): Received [redacted] month bank statement. Exception cleared.<br>Buyer Comment (2025-08-05): see [redacted]statement uploaded | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223795373 | [Redacted] | [Redacted] |  | 34037856 |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM loan program disclosure not provided to the borrower within [redacted] days of application. |  |  |  | Reviewer Comment (2025-09-05): Received evidence of disclosure being sent [redacted]. Condition cleared.<br>Buyer Comment (2025-09-03): see disclosure tracking of initial disclosures sent (arm disclosure is included)<br>Reviewer Comment (2025-09-02): Reviewed disclosure summary provided, however the Arm Disclosure was not listed on the document.<br>Buyer Comment (2025-08-28): see initial disclosures sent [redacted] ---not signed by borrower until [redacted]<br>Buyer Comment (2025-08-28): please review the documents again---the documents were sent out on [redacted], same date as the application date of [redacted], per our HMDA perspective our date is[redacted], borrower did not sign until [redacted]---which is not the date used. you can see at the bottom of initial 1003 signed it has [redacted] listed on each page. please clear condition<br>Reviewer Comment (2025-08-13): Per the HOEPA documentation the application date was [redacted]. The initial application in the file was signed [redacted] and indicates the loan is an ARM transaction which is the reason for the timing issue. The file does not contain an initial application reflecting a fixed rate transaction.<br>Buyer Comment (2025-08-11): borrower signed the URLA on [redacted], the same day the ARM disclosure was disclosed and signed.<br>Reviewer Comment (2025-08-06): ARM Disclosure date is [redacted] which is not within [redacted] days of application [redacted]. Please provide evidence of receiving ARM Disclosure within [redacted] days of application date. Exception remains.<br>Buyer Comment (2025-08-05): see [redacted] | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 223795373 | [Redacted] | [Redacted] |  | 34037882 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-08-06): Received [redacted] month bank statement. Exception cleared.<br>Buyer Comment (2025-08-05): see [redacted]statement uploaded | 08/06/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223795373 | [Redacted] | [Redacted] |  | 34037883 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-08-06): Received [redacted] month bank statement. Exception cleared.<br>Buyer Comment (2025-08-05): see [redacted] statement uploaded | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223795373 | [Redacted] | [Redacted] |  | 34037908 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to Recording Fee. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received Letter of explanation, Corrected Closing disclosure and Final Settlement statement.<br>Buyer Comment (2025-08-25): see uploaded lox pccd email and final settlement stmt | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223795403 | [Redacted] | [Redacted] |  | 34038660 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Corporate bylaws not provided. |  |  |  | Reviewer Comment (2025-08-21): Received Corporate bylaws. Exception Cleared.<br>Buyer Comment (2025-08-20): Bylaws<br>Reviewer Comment (2025-08-06): Provided document was already a part of initial package. Required bylaws. Exception Remains.<br>Buyer Comment (2025-08-05): uploaded oper agreement | 08/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223795403 | [Redacted] | [Redacted] |  | 34039296 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to have disputed collection account [redacted] & [redacted] to remain open is approved. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Combined Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-28): Client elects to waive with compensating factors. |  |  | 07/28/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223795403 | [Redacted] | [Redacted] |  | 34065933 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final CD is missing page [redacted]of the document |  |  |  | Reviewer Comment (2025-08-06): Received Final CD with all pages. Exception Cleared.<br>Buyer Comment (2025-08-05): all pages of FCD | 08/06/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223795421 | [Redacted] | [Redacted] |  | 34040248 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-08-01): Appraisal received & captured. Exception cleared.<br>Buyer Comment (2025-07-30): Appraisal | 08/01/2025 |  |  | 1 D A |  | VA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223795421 | [Redacted] | [Redacted] |  | 34040319 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-01): E-sign Consent Agreement received & associated. Exception cleared.<br>Buyer Comment (2025-07-30): Econsent | 08/01/2025 |  |  | 1 C A |  | VA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223795421 | [Redacted] | [Redacted] |  | 34040376 |  |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Provided closing disclosure reflects issue date as [redacted] which is after the signature date of [redacted]. |  |  |  | Reviewer Comment (2025-08-06): Final closing disclosure received. Exception Cleared<br>Buyer Comment (2025-08-05): Final CD dated [Redacted] and PCCD dated [Redacted] | 08/06/2025 |  |  | 1 B A |  | VA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223795421 | [Redacted] | [Redacted] |  | 34040745 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-08-01): Appraisal received & captured. Exception cleared.<br>Buyer Comment (2025-07-30): Appraisal | 08/01/2025 |  |  | 1 C A |  | VA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223795421 | [Redacted] | [Redacted] |  | 34040747 |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal is missing in file. |  |  |  | Reviewer Comment (2025-08-01): Appraisal received & captured. Exception cleared.<br>Buyer Comment (2025-07-30): Appraisal | 08/01/2025 |  |  | 1 D A |  | VA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223795421 | [Redacted] | [Redacted] |  | 34040858 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted]that does not match the actual payment for the loan. | Final closing disclosure reflects monthly escrow payment as $[redacted]and actual payment is $[redacted]. Post close disclosure dated [redacted] shows corrected payment of $[redacted].. |  |  |  | Reviewer Comment (2025-08-06): Final closing disclosure received. Exception Cleared | 08/06/2025 |  |  | 1 C A |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| 223795421 | [Redacted] | [Redacted] |  | 34040860 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final closing disclosure reflects monthly escrow payment as $[redacted]and actual payment is $[redacted]. Post close disclosure dated [redacted] shows corrected payment of $[redacted].. |  |  |  | Reviewer Comment (2025-08-06): Final closing disclosure received. Exception Cleared | 08/06/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| 223795421 | [Redacted] | [Redacted] |  | 34040861 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-08-06): Final closing disclosure received. Exception Cleared | 08/06/2025 |  |  | 1 A |  | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223795421 | [Redacted] | [Redacted] |  | 34040862 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] ([redacted])([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided within [Redacted] Days of Closing |  | 07/25/2025 |  | 1 A |  | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 223795421 | [Redacted] | [Redacted] |  | 34148514 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted]). | The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]) |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-18): Delivered today<br>Reviewer Comment (2025-08-14): Courier website indicates remediation package is not yet enroute. Follow up date set.<br>Buyer Comment (2025-08-13): PCCD with cure |  | 08/19/2025 |  | 2 B |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223795421 | [Redacted] | [Redacted] |  | 34148515 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-18): Delivered Today<br>Reviewer Comment (2025-08-14): Courier website indicates remediation package is not yet enroute. Follow up date set.<br>Buyer Comment (2025-08-13): PCCD with cure |  | 08/19/2025 |  | 2 B |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223795421 | [Redacted] | [Redacted] |  | 34148516 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223795439 | [Redacted] | [Redacted] |  | 34038216 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Proof of appraisal delivery not provided. |  |  |  | Reviewer Comment (2025-08-05): Proof of appraisal delivery received. Exception cleared<br>Buyer Comment (2025-08-01): Please see attached proof appraisal sent[Redacted]and CDA sent [Redacted].<br>Buyer Comment (2025-08-01): Please see attached proof appraisal sent [Redacted] and CDA sent [Redacted]. | 08/05/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223795439 | [Redacted] | [Redacted] |  | 34038218 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Closing Disclosure reflects Finance Charge of $[redacted]but calculated Finance Charge of $[redacted]. Variance = $-[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Reviewer Comment (2025-08-19): The official interpretation of [Redacted]([Redacted]')([Redacted])([Redacted]) states, "An acknowledgement of receipt," of the disclosure is required. The same requirement is echoed in [Redacted].[Redacted]([Redacted])([Redacted])(iii) which states, "Creditors that use electronic mail or a courier other than the United States Postal Service also may follow the approach for disclosures provided by mail. Using the mailbox rule the RTC will not be received by borrower until [Redacted] and will not have a [Redacted] day waiting period. Please document the RTC was received by borrower on [Redacted], or the RTC cannot be considered timely and will need to be reissued.<br>Buyer Comment (2025-08-18): Please see attached RTC cure docs. Expiration [Redacted].<br>Reviewer Comment (2025-08-14): [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2025-08-13): Please see attached PCCD and cure docs. |  | 08/19/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223795439 | [Redacted] | [Redacted] |  | 34038219 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[redacted]). | Closing Disclosure reflects Finance Charge of $[redacted]but calculated Finance Charge of $[redacted]. Variance = $-[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Reviewer Comment (2025-08-19): The official interpretation of [Redacted](e')([Redacted])([Redacted]) states, "An acknowledgement of receipt," of the disclosure is required. The same requirement is echoed in [Redacted]([Redacted])([Redacted])([Redacted]) which states, "Creditors that use electronic mail or a courier other than the United States Postal Service also may follow the approach for disclosures provided by mail. Using the mailbox rule the RTC will not be received by borrower until [Redacted] and will not have a [Redacted]day waiting period. Please document the RTC was received by borrower on[Redacted], or the RTC cannot be considered timely and will need to be reissued.<br>Buyer Comment (2025-08-18): Please see RTC cure docs attached to Exception ID[Redacted]. Expiration [Redacted].<br>Reviewer Comment (2025-08-14): [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2025-08-13): Please see docs uploaded to Exception ID [Redacted] |  | 08/19/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223795439 | [Redacted] | [Redacted] |  | 34038221 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | The [redacted] form was used, the [redacted] form should have been used. |  |  |  | Reviewer Comment (2025-08-05): Corrected RTC received, exception cleared<br>Buyer Comment (2025-08-01): Please see attached Right to Cancel cure docs. It was reopened and delivered electronically today[Redacted]. Expires on [Redacted]. | 08/05/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223795439 | [Redacted] | [Redacted] |  | 34243186 |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights ([redacted]years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | The official interpretation of 1026.19(e')(1)(iv) states, "An acknowledgement of receipt," of the disclosure is required. The same requirement is echoed in 1026.19(f)(1)(iii) which states, "Creditors that use electronic mail or a courier other than the United States Postal Service also may follow the approach for disclosures provided by mail. Using the mailbox rule the RTC will not be received by borrower until [redacted]and will not have a [redacted] day waiting period. Please document the RTC was received by borrower on [redacted], or the RTC cannot be considered timely and will need to be reissued. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-21): Please see attached RTC bwr Acknoweldgement.<br>Buyer Comment (2025-08-21): Please disregard prior comment. Thought it was for the PCCD issue.<br>Buyer Comment (2025-08-21): Please see attached proof PCCD Cure docs were sent to bwr on [Redacted].<br>Reviewer Comment (2025-08-19): The official interpretation of [Redacted]([Redacted]')([Redacted])([Redacted]) states, "An acknowledgement of receipt," of the disclosure is required. The same requirement is echoed in [Redacted]([Redacted])([Redacted])(iii) which states, "Creditors that use electronic mail or a courier other than the United States Postal Service also may follow the approach for disclosures provided by mail. Using the mailbox rule the RTC will not be received by borrower until [Redacted] and will not have a [Redacted]day waiting period. Please document the RTC was received by borrower on [Redacted], or the RTC cannot be considered timely and will need to be reissued.<br>Reviewer Comment (2025-08-19): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. | 08/22/2025 |  |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form C B | Non QM | Non QM | Yes |
| 223795455 | [Redacted] | [Redacted] |  | 34041205 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  |  |  |  |  | Reviewer Comment (2025-10-01): Flood Certificate received match with note address.<br>Buyer Comment (2025-09-30): Flood cert<br>Reviewer Comment (2025-09-30): Flood Certificate address is not marching with Note document, Exception remains.<br>Buyer Comment (2025-09-29): Flood cert<br>Buyer Comment (2025-09-29): CDA<br>Buyer Comment (2025-09-29): Warranty deed<br>Buyer Comment (2025-09-29): UCDP<br>Buyer Comment (2025-09-29): Corrected appraisal<br>Buyer Comment (2025-09-29): Re-recorded Deed and endorsment<br>Buyer Comment (2025-09-26): New closing package reflecting the corrected address. | 10/01/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34041353 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The loan is missing the most recent tax return, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive. |  |  | 08/07/2025 | 2 B |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34041354 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The loan is missing the most recent tax return, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Buyer Comment (2025-08-05): [Redacted] k[Redacted] |  |  | 08/07/2025 | 2 B |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34041355 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The loan is missing the most recent tax return, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-30): Client elects to waive.<br>Reviewer Comment (2025-09-23): Provided 1120S for "[Redacted]" consider and validated however still not suffice the exception as require Recent year Signed and dated Tax returns to clear the exception. Exception Remains.<br>Buyer Comment (2025-09-19): taxes<br>Reviewer Comment (2025-08-12): Require Recent Signed and dated Tax returns as provided documents already available in file.Exception Remains.<br>Buyer Comment (2025-08-08): [Redacted] Real Estate taxes [Redacted]<br>Reviewer Comment (2025-08-06): The most recent personal tax return is not located in the file.<br>Buyer Comment (2025-08-05): [Redacted] |  |  | 09/30/2025 | 2 B |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34041356 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The loan is missing the most recent tax return, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Buyer Comment (2025-08-07): XXXX taxes |  |  | 08/07/2025 | 2 B |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34041357 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The loan is missing the most recent tax return, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Buyer Comment (2025-08-06): Please see extension for personal taxes<br>Buyer Comment (2025-08-05): [Redacted] |  |  | 08/07/2025 | 2 B |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34041358 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee $[redacted]was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-28): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-27): PCCD |  | 08/28/2025 |  | 2 C B |  | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223795455 | [Redacted] | [Redacted] |  | 34041359 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No valid COC in the file |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/28/2025 |  | 2 C B |  | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223795455 | [Redacted] | [Redacted] |  | 34041360 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No valid COC in the file. |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/28/2025 |  | 2 C B |  | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223795455 | [Redacted] | [Redacted] |  | 34041463 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Amount of $[redacted]is less than the note amount of $[redacted] |  |  |  | Reviewer Comment (2025-08-05): Title supplement received & coverage amount updated. Exception cleared.<br>Buyer Comment (2025-07-31): title confirmation | 08/05/2025 |  |  | 1 B A |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34045369 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-08-05): Appraisal delivery received & associated. Exception cleared.<br>Buyer Comment (2025-07-31): CDA delivery | 08/05/2025 |  |  | 1 B A |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34604626 |  |  | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. |  | AUS/Approval Subject Address does not match Note address. |  |  |  | Reviewer Comment (2025-10-06): Cleared. Received correct AUS<br>Buyer Comment (2025-10-02): AUS | 10/06/2025 |  |  | 1 A |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34604628 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation address does not match Note address. Require valuation report prior to the note date. |  |  |  | Reviewer Comment (2025-10-02): Address matching with Note. Exception cleared<br>Buyer Comment (2025-10-01): CDA effective date is [Redacted]. Please clear | 10/02/2025 |  |  | 1 A |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34604629 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation address does not match Note address. Require valuation report prior to the note date. |  |  |  | Reviewer Comment (2025-10-06): Cleared. Received correct valuations.<br>Buyer Comment (2025-10-02): Can we please clear CDA was provided | 10/06/2025 |  |  | 1 A |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795455 | [Redacted] | [Redacted] |  | 34650719 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-10-06): Received updated appraisal. | 10/06/2025 |  |  | 1 A |  | SC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223795466 | [Redacted] | [Redacted] |  | 34038440 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Closing statement provided not signed or dated by borrower. |  |  |  | Reviewer Comment (2025-08-14): Received executed Closing statement in the file. Exception Cleared.<br>Buyer Comment (2025-08-13): Please see attached signed settlement statement. | 08/14/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223795466 | [Redacted] | [Redacted] |  | 34038452 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for cash out refinance on property listed for sale less than [redacted]months ago is approved. Unable to downgrade and waive due to insufficient compensating factors provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-08-20): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-18): Please see attached to updated exception that includes reserves as comp factor.<br>Reviewer Comment (2025-08-15): Lender compensating factors provided are duplicates from original closing package and are not in [Redacted] list of available compensating factors. Please provide additional sufficient compensating factors for review.<br>Buyer Comment (2025-08-13): Please see attached revised comp factors<br>Reviewer Comment (2025-08-11): Received duplicate compensating factors, however the compensating factors provided are no sufficient for XXXX to downgrade and waive lender exception.<br>Buyer Comment (2025-08-07): Please see attached exception approval. |  |  | 08/20/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223795468 | [Redacted] | [Redacted] |  | 34055264 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for non-warrantable condo due to investor concentration is approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least v months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-28): Client elects to waive with compensating factors. |  |  | 07/28/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 223795569 | [Redacted] | [Redacted] |  | 34040529 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require [redacted]more lease agreement for [redacted]. |  |  |  | Reviewer Comment (2025-08-19): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-15): Please see attached additional lease for [Redacted] | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A B | N/A | N/A | No |
| 223795569 | [Redacted] | [Redacted] |  | 34046917 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-08-11): Proof of appraisal delivery received. Exception cleared.<br>Buyer Comment (2025-08-07): Please see proof [Redacted] appraisal was sent to bwr on [Redacted]. | 08/11/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Rate/Term | C A B | N/A | N/A | No |
| 223795569 | [Redacted] | [Redacted] |  | 34065638 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds max allowed [redacted]% due to lower rental income calculation for[redacted] based on lease provided. |  |  |  | Reviewer Comment (2025-08-19): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-15): Please see attached lease for exception ID [Redacted]. Also see attached revised 1008 and 1003. | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A B | N/A | N/A | No |
| 223795621 | [Redacted] | [Redacted] |  | 34040411 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted]business days to closing. |  |  |  | Reviewer Comment (2025-08-01): Appraisal delivery receipt received & associated. Exception cleared.<br>Buyer Comment (2025-07-30): Appraisal delivery | 08/01/2025 |  |  | 1 B A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223795621 | [Redacted] | [Redacted] |  | 34040412 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. |  |  |  | Reviewer Comment (2025-08-01): Appraisal delivery receipt received & associated. Exception cleared. | 08/01/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223795621 | [Redacted] | [Redacted] |  | 34040413 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted]business days to closing. |  |  |  | Reviewer Comment (2025-08-01): Appraisal delivery receipt received & associated. Exception cleared. | 08/01/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223795621 | [Redacted] | [Redacted] |  | 34040419 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-12): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-11): COC | 08/12/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223795621 | [Redacted] | [Redacted] |  | 34040420 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-25): PCCD<br>Reviewer Comment (2025-08-19): [Redacted] received Post CD,LOX, Copy of refund check and proof of mailing. However, we would require additional cure of $[Redacted] in order to cure the exception. Kindly provide additional cure of $[Redacted] along with Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-08-19): Erroneously cured.<br>Reviewer Comment (2025-08-19): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-18): PCCD |  | 08/26/2025 |  | 2 C B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223795621 | [Redacted] | [Redacted] |  | 34048039 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for short reserves. Guideline requirement is minimum base reserves [redacted]months PITIA and an additional [redacted]months for over [redacted]% LTV. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]Bank Statement<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-01): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-30): Exception approval |  |  | 08/01/2025 | 2 C B |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223796804 | [Redacted] | [Redacted] |  | 34050091 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-18): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-15): Loan estimate | 08/18/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223796804 | [Redacted] | [Redacted] |  | 34050092 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): RTC docs<br>Reviewer Comment (2025-08-20): Received Title Commitment is not for the subject property. Exception remains.<br>Buyer Comment (2025-08-18): Please disregard wrong title commitment<br>Buyer Comment (2025-08-18): Please see page [Redacted] of title commitment reflecting we are not the original creditor. Record in the Public Records a release or satisfaction of the Mortgage in favor of [Redacted]., as nominee for[Redacted]in the original principal amount of $[Redacted], dated [Redacted] and recorded in Official Records Book [Redacted], Page [Redacted] | 08/26/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 223796822 | [Redacted] | [Redacted] |  | 34051939 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | [redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received Within [Redacted] days of closing: Signed letter from borrower indicating their choice to accept refund and make loan non-high-cost, a copy of refund check and proof of mailing (in transit with courier).<br>Buyer Comment (2025-08-18): High Cost Letter |  | 08/20/2025 |  | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223796824 | [Redacted] | [Redacted] |  | 34052186 |  |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-08-15): Received secondary appraisal report and the same effective date. Exception cleared.<br>Buyer Comment (2025-08-13): Please use this appraisal dated [Redacted] matching CDA<br>Reviewer Comment (2025-08-08): Exception remains: The effective date of [Redacted]in 1073 Appraisal does not match with the effective date of CDA which is [Redacted].<br>Buyer Comment (2025-08-06): Please see [Redacted]pg [Redacted]under Reviewer's Summary CDA Effective Date of [Redacted] matches Appraisal Under Review Information Effective Date of Appraisal of [Redacted] | 08/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 223796824 | [Redacted] | [Redacted] |  | 34052191 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is not given on Title Preliminary Report. |  |  |  | Reviewer Comment (2025-08-08): Title Document received, exception cleared.<br>Buyer Comment (2025-08-06): Title | 08/08/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 223796824 | [Redacted] | [Redacted] |  | 34052199 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-08-15): Received appraisal notice for the evidence of appraisal delivery. Exception cleared.<br>Buyer Comment (2025-08-14): Appraisal delivery receipt | 08/15/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 223796824 | [Redacted] | [Redacted] |  | 34211954 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Secondary appraisal report dated [redacted] is reflecting repair for installation of a carbon monoxide detector. Updated appraisal report 1004d/442 is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Final Appraisal Report is provided with installation of a carbon monoxide detector. Exception cleared.<br>Buyer Comment (2025-08-18): Please see subsequent valuation dated [Redacted] pg [Redacted]showing smoke and carbon monoxide detectors installed | 08/20/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 223796849 | [Redacted] | [Redacted] |  | 34055388 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception request for having DSCR ratio of less than [redacted]on an ITIN purchase is approved. \*\*\*Unable to downgrade/waive due to exception approval requires [redacted]months reserves however only [redacted]months has been verified. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): client elects to waive with compensating factors.<br>Buyer Comment (2025-09-05): Asset statement<br>Reviewer Comment (2025-09-05): Asset statements not received in the file. Exception Remains.<br>Buyer Comment (2025-09-03): Please clear asset statement was provided |  |  | 09/09/2025 | 2 C B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223796849 | [Redacted] | [Redacted] |  | 34055389 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Lender Exception approval requires [redacted] months reserves however only [redacted]months has been verified. |  |  |  | Reviewer Comment (2025-09-03): Received asset statement and updated the same in system. Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-08-29): Asset statement | 09/03/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223797030 | [Redacted] | [Redacted] |  | 34055695 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. |  |  |  | Reviewer Comment (2025-08-18): [Redacted] received attestation stating survey was outsourced by title.<br>Buyer Comment (2025-08-15): explanation | 08/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223797030 | [Redacted] | [Redacted] |  | 34084072 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Documentation to verify a [redacted]-month housing history is not located in the file. |  |  |  | Reviewer Comment (2025-08-07): Trail doc provided confirming borrower's ownership.<br>Buyer Comment (2025-08-05): Borrower owns property | 08/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223797094 | [Redacted] | [Redacted] |  | 34075115 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted]days of the note date. The documentation provided exceeds the [redacted]requirement. |  |  |  | Reviewer Comment (2025-08-08): Received Certificate of good Standing. Exception Cleared.<br>Buyer Comment (2025-08-07): Cert of good standing<br>Reviewer Comment (2025-08-06): Provided operating Agreement, EIN and Articles of Organization are already a part of the initial package and cannot be considered in lieu of Certificate of Good Standing. Certificate of Good Standing from the applicable Secretary of State's office, dated within [Redacted] days of the note date. Exception remains.<br>Buyer Comment (2025-08-04): [Redacted] docs | 08/08/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223797100 | [Redacted] | [Redacted] |  | 34057938 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Missing Employer Identification Number for borrowing entity. |  |  |  | Reviewer Comment (2025-08-12): Received Business Entity Listing reflects EIN. Exception Cleared.<br>Buyer Comment (2025-08-11): Please see attached for proof of EIN. | 08/12/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223797107 | [Redacted] | [Redacted] |  | 34058876 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $-[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received COC and CD<br>Buyer Comment (2025-08-18): CD<br>Reviewer Comment (2025-08-15): [Redacted] received COC dated [Redacted]which is not within [redacted] days of the change. Kindly provide a valid COC for the fee decreased on CD dated[Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-14): COC | 08/19/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223797107 | [Redacted] | [Redacted] |  | 34058877 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was not disclosed on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received COC and CD<br>Buyer Comment (2025-08-18): COC | 08/19/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223797121 | [Redacted] | [Redacted] |  | 34057634 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA Account Set Up Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | HOA Account Set Up Fee of $[redacted]was added in Section [redacted] of Closing Disclosure on [redacted] without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-08-20): [Redacted]received Post CD and LOX by moving fee to section [Redacted].<br>Buyer Comment (2025-08-19): LOX PCCD | 08/20/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223797121 | [Redacted] | [Redacted] |  | 34057635 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA Doc Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | HOA Doc Fee of $[redacted]was added in Section [redacted] of Closing Disclosure on [redacted] without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received Post CD and LOX by moving fee to section [Redacted].<br>Buyer Comment (2025-08-19): title email and invoice | 08/20/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223797121 | [Redacted] | [Redacted] |  | 34057636 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA Move in Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | HOA Move in Fee of $[redacted]was added in Section [redacted] of Closing Disclosure on [redacted] without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received Post CD and LOX by moving fee to section [Redacted]. | 08/20/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223797121 | [Redacted] | [Redacted] |  | 34057637 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Homeowner's Dues. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Homeowner's Dues Fee of $[redacted]was added in Section [redacted] of Closing Disclosure on[redacted] without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received Post CD and LOX by moving fee to section [Redacted]. | 08/20/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223807725 | [Redacted] | [Redacted] |  | 34070446 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  | Missing Appraisal. |  |  |  | Reviewer Comment (2025-08-08): Appraisal received and verified. Exception cleared<br>Buyer Comment (2025-08-06): Appraisal uploaded<br>Buyer Comment (2025-08-06): Appraisal | 08/08/2025 |  |  | 1 D A |  | WI | Primary | Purchase | D B A | Non QM | Non QM | No |
| 223807725 | [Redacted] | [Redacted] |  | 34070506 |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Missing Appraisal. |  |  |  | Reviewer Comment (2025-08-08): Appraisal received and verified.Exception cleared<br>Buyer Comment (2025-08-07): appraisal uploaded | 08/08/2025 |  |  | 1 D A |  | WI | Primary | Purchase | D B A | Non QM | Non QM | No |
| 223807725 | [Redacted] | [Redacted] |  | 34070963 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request with very CLTV, previous home owner for over [redacted] years with no mortgage lates reported. Income trend is increasing and well documented | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-30): Preapproved exception |  |  | 07/30/2025 | 2 B |  | WI | Primary | Purchase | D B A | Non QM | Non QM | No |
| 223807725 | [Redacted] | [Redacted] |  | 34072387 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing appraisal document for [redacted] |  |  |  | Reviewer Comment (2025-08-11): Property was sold on [Redacted], subject loan was disbursed on same date [Redacted], exception cleared.<br>Buyer Comment (2025-08-08): Warranty Doc<br>Buyer Comment (2025-08-08): Rebuttal<br>Reviewer Comment (2025-08-08): Documentation provided for proof of sold REO is after the closing date of the subject transaction.<br>Buyer Comment (2025-08-07): Conf property sold | 08/11/2025 |  |  | 1 C A |  | WI | Primary | Purchase | D B A | Non QM | Non QM | No |
| 223807726 | [Redacted] | [Redacted] |  | 34058868 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Interest only feature is not mentioned in the Note. |  |  |  | Reviewer Comment (2025-09-12): Received corrected note with interest only feature mentioned in it. Exception Cleared.<br>Buyer Comment (2025-09-10): Please see corrected Note shipped today [Redacted] | 09/12/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223807726 | [Redacted] | [Redacted] |  | 34067586 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted] months of concurrent asset statements are required for verification however no statements are provided in the file. |  |  |  | Reviewer Comment (2025-08-08): Received bank statement. Exception Cleared.<br>Buyer Comment (2025-08-06): Assets | 08/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223807726 | [Redacted] | [Redacted] |  | 34067592 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted] months of concurrent asset statements are required for verification however no statements are provided in the file. |  |  |  | Reviewer Comment (2025-08-12): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-08): Asset statement provided please clear | 08/12/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223808288 | [Redacted] | [Redacted] |  | 34070280 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Rural property with LTV over [redacted]%, unacceptable property type / does not conform to neighborhood. The suject has no zoing, but can be rebuilt if destroyed. The appraiser had to go up to [redacted]miles to find similar comps and has marked that the subject does not generally conform to the neighborhood due to higher quality of construction, larger site, newer age and larger GLA.<br>The exception was approved with exception conditions.<br> [redacted]% LTV max.<br> [redacted]% DTI max.<br> Subject to meeting all other signature expanded guidelines. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Preapproved exception |  |  | 07/31/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223808288 | [Redacted] | [Redacted] |  | 34070342 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Certificate is missing for REO - [redacted]. |  |  |  | Reviewer Comment (2025-08-06): Tax verification document received. Exception Cleared.<br>Buyer Comment (2025-08-04): REO | 08/06/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223808288 | [Redacted] | [Redacted] |  | 34070362 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Preliminary appraisal report dated [redacted] is missing evidence of receipt. |  |  |  | Reviewer Comment (2025-08-08): Client elects to waive. |  |  | 08/08/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223808288 | [Redacted] | [Redacted] |  | 34070365 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance exceeded due to Survey fee was added on [redacted] without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-08-18): [Redacted]Receoved Corrected PCCD and LOE moving survey fee to sectIon [Redacted].<br>Buyer Comment (2025-08-15): Fed Ex, LOX, PCCD, Ck Copy | 08/18/2025 |  |  | 1 C A |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223808288 | [Redacted] | [Redacted] |  | 34070366 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan discount points increased from $[redacted]to $[redacted]on [redacted] without any valid changed circumstances, no cure was provided. Changed circumstances dated [redacted] shows loan program was changed. There is no Interim Closing disclosure within [redacted]business days of [redacted]. |  |  |  | Reviewer Comment (2025-08-06): [Redacted] received CD and COC dated[Redacted]<br>Buyer Comment (2025-08-04): CD [Redacted] | 08/06/2025 |  |  | 1 C A |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223808288 | [Redacted] | [Redacted] |  | 34070367 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit report fee increased from $[redacted]to $[redacted]without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-08-21): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-20): Itemization Snapshot -<br>Buyer Comment (2025-08-20): "Itemization Snapshot uploaded confirms initial amount disclosed for credit report fee was $[Redacted], $[Redacted]cure is correct"<br>Reviewer Comment (2025-08-18): [Redacted] Received Cure docs for $[Redacted]; however, cure required is $[Redacted]. Provide supporting documents to verify credit report fee rounded off on LE.<br>Buyer Comment (2025-08-15): Email from Title - LOX, PCCD already uploaded |  | 08/21/2025 |  | 2 C B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223810778 | [Redacted] | [Redacted] |  | 34070381 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Incorrect zip code is used on the insurance binder for the subject property. |  |  |  | Reviewer Comment (2025-08-14): Received hazard insurance. Exception Cleared.<br>Buyer Comment (2025-08-13): updated HOI<br>Buyer Comment (2025-08-13): updated HOI zip code | 08/14/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223810779 | [Redacted] | [Redacted] |  | 34089840 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-28): E-sign consent provided.<br>Buyer Comment (2025-08-26): our e-consent is obtained when we create a Blend portal for the customer----we didn't have the [Redacted] points of info to make an application until [Redacted]---please waive/cancel/clear condition<br>Reviewer Comment (2025-08-25): Please provide latest e-sign consent document within [Redacted] business days of application. Exception remains.<br>Buyer Comment (2025-08-21): econsent<br>Reviewer Comment (2025-08-08): E-Consent dated[Redacted] which is long before Application date [Redacted]. Please provide recent e-sign consent within [Redacted] business days of application. Exception remains.<br>Buyer Comment (2025-08-07): econsent | 08/28/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223810779 | [Redacted] | [Redacted] |  | 34091674 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Unable to confirm ATR due to missing reserve asset documentation |  |  |  | Reviewer Comment (2025-08-19): Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-08-15): Please cancel - Per guidelines, section [Redacted]: Reserves, loans using AUS findings may follow those findings for reserves requirements. In our case, the DU findings in file were used to qualify and as such, only required [Redacted] mos reserves (= $[Redacted]). The total funds to close and reserve requirements have been met with the borrower documented funds of $[Redacted]. | 08/19/2025 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223810779 | [Redacted] | [Redacted] |  | 34091675 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing asset documentation: reserves of $[redacted]is less than required amount of $[redacted]. |  |  |  | Reviewer Comment (2025-08-19): Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-08-15): Please cancel - Per guidelines, section [Redacted]: Reserves, loans using AUS findings may follow those findings for reserves requirements. In our case, the DU findings in file were used to qualify and as such, only required [Redacted] mos reserves (= $[Redacted]). The total funds to close and reserve requirements have been met with the borrower documented funds of $[Redacted]. | 08/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223810779 | [Redacted] | [Redacted] |  | 34091687 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to missing asset documentation: reserves of $[redacted]is less than required amount of $[redacted]. |  |  |  | Reviewer Comment (2025-08-19): Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-08-15): Please cancel - Per guidelines, section [Redacted]: Reserves, loans using AUS findings may follow those findings for reserves requirements. In our case, the DU findings in file were used to qualify and as such, only required [Redacted] mos reserves (= $[Redacted]). The total funds to close and reserve requirements have been met with the borrower documented funds of $[Redacted]. | 08/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223810779 | [Redacted] | [Redacted] |  | 34107016 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted]). | Title charges of $[redacted]were included in the amount financed creating an overage |  |  |  | Reviewer Comment (2025-08-22): [Redacted] received LOA<br>Buyer Comment (2025-08-21): Rebuttal | 08/22/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223810779 | [Redacted] | [Redacted] |  | 34107017 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Title charges of $[redacted]were included in the amount financed creating an overage |  |  |  | Reviewer Comment (2025-08-22): [Redacted] received LOA<br>Buyer Comment (2025-08-21): rebuttal submitted on other condition | 08/22/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223810779 | [Redacted] | [Redacted] |  | 34107469 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing [redacted]days of bank statements for [redacted]accounts # [redacted]and # [redacted] |  |  |  | Reviewer Comment (2025-08-11): Removed accounts from assets per lender instructions.<br>Buyer Comment (2025-08-07): we are not using any assets from any [Redacted]accounts---please cancel condition or clarify what is needed | 08/11/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223810779 | [Redacted] | [Redacted] |  | 34107473 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing [redacted]days of bank statements for reserves |  |  |  | Reviewer Comment (2025-08-19): Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-08-15): Please cancel - Per guidelines, section [Redacted]: Reserves, loans using AUS findings may follow those findings for reserves requirements. In our case, the DU findings in file were used to qualify and as such, only required [Redacted] mos reserves (= $[Redacted]). The total funds to close and reserve requirements have been met with the borrower documented funds of $[Redacted].<br>Reviewer Comment (2025-08-11): UPDATE: Removed Chase accounts as instructed. Funds available $[Redacted]which includes assets $[Redacted], $[Redacted]k EMD and $[Redacted]POC. Funds required $[Redacted], Funds to close $[Redacted], EMD $[Redacted]k and $[Redacted]POC. Leaving funds for reserves of $[Redacted]which is insufficient to meet lender required $[Redacted]. | 08/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223810779 | [Redacted] | [Redacted] |  | 34177476 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Removed Chase accounts as instructed. Funds available $[redacted]which includes assets $[redacted], $[redacted]EMD and $[redacted]POC. Funds required $[redacted], Funds to close $[redacted], EMD $[redacted]and $[redacted]POC. Leaving funds for reserves of $[redacted]which is insufficient to meet lender required $[redacted]. |  |  |  | Reviewer Comment (2025-08-19): Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-08-15): Please cancel - Per guidelines, section [Redacted]: Reserves, loans using AUS findings may follow those findings for reserves requirements. In our case, the DU findings in file were used to qualify and as such, only required [Redacted] mos reserves (= $[Redacted]). The total funds to close and reserve requirements have been met with the borrower documented funds of $[Redacted]. | 08/19/2025 |  |  | 1 A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223811000 | [Redacted] | [Redacted] |  | 34070875 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal delivery receipt is not provided. |  |  |  | Buyer Comment (2025-08-25): Ok to waive this EV2<br>Reviewer Comment (2025-08-18): All other conditions were able to be cleared; however this is an EV2 exception for informational purposes only for the updated appraisal. Lender may waive at their discretion.<br>Buyer Comment (2025-08-14): Please see explanation<br>Reviewer Comment (2025-08-12): Evidence of borrower's receipt of the preliminary appraisal was provided showing borrower received the report on [Redacted] and the updated appraisal was sent on [Redacted]. Loan closed on [Redacted] which is not [Redacted] business days prior to closing for either report.<br>Buyer Comment (2025-08-08): Initial appraisal and delivery<br>Reviewer Comment (2025-08-08): Creditor did not provide a copy of each valuation to applicant ([Redacted]) business days prior to consummation. Consummation date [Redacted], appraisal was provided [Redacted] (not [Redacted] business days)<br>Buyer Comment (2025-08-06): Appraisal delivery |  |  | 08/25/2025 | 2 B |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223811000 | [Redacted] | [Redacted] |  | 34070876 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared. | 08/18/2025 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223811000 | [Redacted] | [Redacted] |  | 34070877 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal not provided within [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-08-12): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-06): Require delivery receipt of Appraisal provided on [Redacted] within three ([Redacted]) business days prior to consummation. Exception Remains.<br>Buyer Comment (2025-08-04): Please see initial appraisal delivery | 08/12/2025 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223811000 | [Redacted] | [Redacted] |  | 34070879 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-29): Sufficient Cure Provided At Closing |  | 07/29/2025 |  | 1 A |  | DE | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223811000 | [Redacted] | [Redacted] |  | 34186792 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence of borrower's receipt of the preliminary appraisal was provided showing borrower received the report on [redacted] and the updated appraisal was sent on [redacted]. Loan closed on [redacted] which is not [redacted]business days prior to closing for either report. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared. | 08/18/2025 |  |  | 1 A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223811000 | [Redacted] | [Redacted] |  | 34186793 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence of borrower's receipt of the preliminary appraisal was provided showing borrower received the report on [redacted] and the updated appraisal was sent on [redacted]. Loan closed on [redacted] which is not [redacted]business days prior to closing for either report. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared. | 08/18/2025 |  |  | 1 A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223811000 | [Redacted] | [Redacted] |  | 34186794 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. | Evidence of borrower's receipt of the preliminary appraisal was provided showing borrower received the report on [redacted] and the updated appraisal was sent on [redacted]. Loan closed on [redacted] which is not [redacted]business days prior to closing for either report. |  |  |  | Buyer Comment (2025-08-25): Ok to waive this EV2 |  |  | 08/25/2025 | 2 B |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223811018 | [Redacted] | [Redacted] |  | 34074228 |  |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | [redacted]- final inspection document associated |  |  |  | Reviewer Comment (2025-08-08): [Redacted]- Final Inspection cosnidered for Effective date and No changes in appraised value. Exception cleared.<br>Buyer Comment (2025-08-06): Shows no change in market value | 08/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223811018 | [Redacted] | [Redacted] |  | 34074240 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% |  |  |  | Buyer Comment (2025-08-08): Ok to Waive |  |  | 08/08/2025 | 2 B |  | MA | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 223811018 | [Redacted] | [Redacted] |  | 34074242 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Reinspection Fee. $[redacted]was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-22): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): PCCD with cure<br>Reviewer Comment (2025-08-07): [Redacted] received COC dated [Redacted] however the fee added on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-05): RCD with coc |  | 08/22/2025 |  | 2 C B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223811260 | [Redacted] | [Redacted] |  | 34071571 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-08-08): Final Title Policy received. Exception cleared. | 08/08/2025 |  |  | 1 A |  | AZ | Primary | Purchase | B A | Non QM | Non QM | No |
| 223811260 | [Redacted] | [Redacted] |  | 34071584 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy amount of $[redacted]in Commitment title policy is less the note amount of $[redacted]. |  |  |  | Reviewer Comment (2025-08-08): Title policy amount updated from Final Title policy. Exception cleared.<br>Buyer Comment (2025-08-06): title | 08/08/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | B A | Non QM | Non QM | No |
| 223811270 | [Redacted] | [Redacted] |  | 34091996 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Borrower is self employed and provided 1040 Business tax return is not signed and dated by the borrower. Most recent quarterly audited P&L statement is missing causing a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-08): Received signed tax returns<br>Buyer Comment (2025-09-04): Signed Returns - Agency guides do not require a P & L | 09/08/2025 |  |  | 1 B A C |  | IN | Second Home | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223811270 | [Redacted] | [Redacted] |  | 34091997 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay ([redacted]): Unable to verify S-Corp income using reasonably reliable third-party records. | Borrower is self employed and provided 1040 Business tax return, is not signed and dated by the borrower. Most recent quarterly audited P&L statement is missing causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-08): Received signed tax returns<br>Buyer Comment (2025-09-04): Signed Returns uploaded - Agency guides do not require a P & L | 09/08/2025 |  |  | 1 C A |  | IN | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223811270 | [Redacted] | [Redacted] |  | 34091998 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Borrower is self employed and provided 1040 Business tax return, is not signed and dated by the borrower. Most recent quarterly audited P&L statement is missing causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-08): Received signed tax returns | 09/08/2025 |  |  | 1 A |  | IN | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223811659 | [Redacted] | [Redacted] |  | 34092279 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year [redacted]is blank on page [redacted]; however the HOA dues total $[redacted]per year. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-08-18): PCCD |  | 08/19/2025 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223811659 | [Redacted] | [Redacted] |  | 34092280 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was disclosed on initial Loan estimate as $[redacted]but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-18): COC | 08/19/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223811659 | [Redacted] | [Redacted] |  | 34095802 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for mortgage delinquency and modification [redacted] due to financial hardship and loan is cash out. Guides only allow for purchases. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-30): Client elected to waive exceptions with compensating factors. |  |  | 07/30/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223811659 | [Redacted] | [Redacted] |  | 34238516 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223813650 | [Redacted] | [Redacted] |  | 34092320 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  |  |  |  |  | Reviewer Comment (2025-08-15): Received XXXX for member to verify date of birth. Exception cleared.<br>Buyer Comment (2025-08-14): Pleas see attached Member ID; [Redacted].<br>Reviewer Comment (2025-08-14): Require birth date of member [Redacted]. Exception remains.<br>Buyer Comment (2025-08-13): Please see attached ID. | 08/15/2025 |  |  | 1 B A |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223813664 | [Redacted] | [Redacted] |  | 34094385 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-08-21): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-19): Already sent this...the other condition was cleared.<br>Reviewer Comment (2025-08-13): Require proof/receipt which confirms copy of appraisal deliver to borrower from [Redacted] business days prior to closing date as provided document shows appraisal delivery date [Redacted] which is prior to report date [Redacted] which is not acceptable. Exception Remains.<br>Buyer Comment (2025-08-11): appraisal sent | 08/21/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223813664 | [Redacted] | [Redacted] |  | 34094386 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-08-15): Received AVM delivery report, Exception cleared.<br>Buyer Comment (2025-08-14): AVM<br>Reviewer Comment (2025-08-13): Require proof/receipt which confirms copy of secondary appraisal deliver to borrower from [Redacted] business days prior to closing date as provided document uploaded however not showing delivery/received confirmation from borrower end. Exception Remains.<br>Buyer Comment (2025-08-11): AVM sent through blend on [Redacted] | 08/15/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223813664 | [Redacted] | [Redacted] |  | 34094388 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Cure amount not provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-21): [Redacted] Receoved Corrected PCCD and LOE moving fee to section [Redacted].<br>Buyer Comment (2025-08-20): LOX title<br>Reviewer Comment (2025-08-20): [Redacted] received Post CD and LOX. However,we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-08-19): PCCD | 08/21/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223813673 | [Redacted] | [Redacted] |  | 34094250 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [redacted] is not in images. |  |  |  | Reviewer Comment (2025-08-11): Received as is value<br>Buyer Comment (2025-08-07): Updated appraisal | 08/11/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223813673 | [Redacted] | [Redacted] |  | 34094281 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. No Valid Change circumstance in file. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-18): PCCD with cure |  | 08/19/2025 |  | 2 C B |  | NY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813673 | [Redacted] | [Redacted] |  | 34098883 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a [redacted]% DTI exception is needed as guidelines reflect Max DTI of [redacted]%. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Preapproved exception |  |  | 07/31/2025 | 2 B |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223813674 | [Redacted] | [Redacted] |  | 34094346 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-08-07): Appraisal receipt provided.<br>Buyer Comment (2025-08-05): Email- Appraisal Receipt | 08/07/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223813674 | [Redacted] | [Redacted] |  | 34094358 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-18): [Redacted] Received Corrected PCCD and LOE moving fee to section [Redacted].<br>Buyer Comment (2025-08-15): Docs | 08/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223813707 | [Redacted] | [Redacted] |  | 34099435 |  |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Refinance of occupied property, lease agreement not provided in file. |  |  |  | Reviewer Comment (2025-09-18): Received Lease agreement in the file. Exception Cleared.<br>Buyer Comment (2025-09-17): Lease<br>Reviewer Comment (2025-08-08): Lease agreement is not dated and lease term not mentioned on lease agreement. Exception remains.<br>Buyer Comment (2025-08-06): lease agreement | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223813879 | [Redacted] | [Redacted] |  | 34093327 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as Total $[redacted] on Loan Estimate dated [redacted] but disclosed as Total $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-20): PCCD |  | 08/21/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813879 | [Redacted] | [Redacted] |  | 34093328 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/21/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813879 | [Redacted] | [Redacted] |  | 34093329 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Settlement / Closing / Escrow Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/21/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813879 | [Redacted] | [Redacted] |  | 34093330 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Title - Courier / Express Mail / Messenger Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/21/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813879 | [Redacted] | [Redacted] |  | 34093331 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Title - Recording Service Fee disclosed as $[redacted]on Loan Estimate dated 0[redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/21/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813879 | [Redacted] | [Redacted] |  | 34093332 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Title - Wire /Funding/ Disbursement Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/21/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813880 | [Redacted] | [Redacted] |  | 34092544 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception request for [redacted]% LTV with a [redacted]FICO vs guideline minimum of [redacted]is approved.<br>Unable to downgrade exception due to missing compensating factor. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-20): Received updated exception approval, however the [redacted] comp factor provided is insufficient.<br>Buyer Comment (2025-08-18): Please see attached exception w/corrected comp factor for exception ID [redacted] |  |  | 08/22/2025 | 2 C B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223813880 | [Redacted] | [Redacted] |  | 34092547 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for no landlord history (borrower does not have any rental experience) is approved. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-20): Received updated exception approval, however the [redacted] comp factor provided is insufficient.<br>Buyer Comment (2025-08-18): Please see attached exception w/corrected comp factor for exception ID[redacted] |  |  | 08/22/2025 | 2 C B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223813880 | [Redacted] | [Redacted] |  | 34092601 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-08-13): Received updated CDA. condition cleared.<br>Buyer Comment (2025-08-11): Please see attached CDA w/supporting value. | 08/13/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223813880 | [Redacted] | [Redacted] |  | 34092606 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Preliminary policy coverage of $[redacted] is less than the loan amount of $[redacted]. |  |  |  | Reviewer Comment (2025-08-19): Received updated Title Commitment in the file. Exception Cleared.<br>Buyer Comment (2025-08-15): Please see attached revised Title policy. | 08/19/2025 |  |  | 1 B A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223813880 | [Redacted] | [Redacted] |  | 34098035 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to use [redacted]% of business assets is approved. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-20): The borrower has [redacted] months of reserves as well.<br>Reviewer Comment (2025-08-20): Received updated exception approval, however the [redacted] comp factor provided is insufficient.<br>Buyer Comment (2025-08-18): Please see attached exception w/corrected comp factor.<br>Reviewer Comment (2025-07-31): Unable to downgrade exception due to missing compensating factor. |  |  | 08/22/2025 | 2 C B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223813899 | [Redacted] | [Redacted] |  | 34093976 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-19): TRID<br>Buyer Comment (2025-08-19): TRID rebut<br>Reviewer Comment (2025-08-08): [redacted] received COC dated [redacted] which was already in file but, the reason provided is not sufficient as to why the appraisal fee was increased. Please provide information as to what changed circumstance occurred (as defined under[redacted]that resulted in an increase in closing costs.<br>Buyer Comment (2025-08-06): ICD with COC | 08/20/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223813899 | [Redacted] | [Redacted] |  | 34093977 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received CD showing fee moved to Section [redacted].<br>Reviewer Comment (2025-08-20): [redacted] is unable to determine from the file whether the lender or title company requried the Pest Inspection. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest Inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-08-19): TRID rebut<br>Reviewer Comment (2025-08-08): [redacted] received COC dated [redacted] which was already in file but, the reason provided is not sufficient as to why the pest inspection fee was added. Please provide information as to what changed circumstance occurred (as defined under[redacted]that resulted in an increase in closing costs.<br>Buyer Comment (2025-08-06): ICD with COC | 08/20/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223813899 | [Redacted] | [Redacted] |  | 34253003 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223813905 | [Redacted] | [Redacted] |  | 34094054 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-09-22): Sufficient documentation was provided. Condition cleared.<br>Reviewer Comment (2025-08-11): client elected to waive<br>Buyer Comment (2025-08-07): Please waive. It is a standard conforming file and we have a full appraisal per the DU requirement | 09/22/2025 |  |  | 1 A D |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813905 | [Redacted] | [Redacted] |  | 34094191 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay ([redacted]): Unable to verify current Partnership status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | The file is missing the [redacted] personal and business tax returns. Evidence of ex[redacted]sion provided in file for [redacted]. |  |  |  | Reviewer Comment (2025-08-07): trail docs provided<br>Buyer Comment (2025-08-05): Closing VVOE | 08/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813905 | [Redacted] | [Redacted] |  | 34094192 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay ([redacted]): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | For self-employed borrowers, the exis[redacted]ce of the business must be independently verified third party verification, VVOE. |  |  |  | Reviewer Comment (2025-08-07): trail docs provided<br>Buyer Comment (2025-08-05): see upload | 08/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813905 | [Redacted] | [Redacted] |  | 34094196 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date[redacted], Tax Return Due Date [redacted]. | Most Recent tax returns missing in loan file. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Buyer Comment (2025-08-05): See extensions and please waive |  |  | 08/07/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813905 | [Redacted] | [Redacted] |  | 34094197 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most Recent tax returns missing in loan file. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Buyer Comment (2025-08-05): See extensions and please waive |  |  | 08/07/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813905 | [Redacted] | [Redacted] |  | 34094204 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | No cure or Change of Circumstance provided in loan file. |  |  |  | Reviewer Comment (2025-08-22): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): Cure docs |  | 08/22/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223813905 | [Redacted] | [Redacted] |  | 34094218 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt |  |  |  | Reviewer Comment (2025-08-07): Appraisal receipt provided.<br>Buyer Comment (2025-08-05): Proof Appraisal Sent to Borrower [redacted] | 08/07/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813905 | [Redacted] | [Redacted] |  | 34100141 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-08-07): Appraisal receipt provided.<br>Buyer Comment (2025-08-05): Proof appraisal sent to borrower | 08/07/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813905 | [Redacted] | [Redacted] |  | 34177475 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of ex[redacted]sion provided in file for [redacted]. The file contained a copy of the [redacted] 1040 and business returns. |  |  |  | Reviewer Comment (2025-08-13): Client elects to waive.<br>Buyer Comment (2025-08-11): Please waive. Extensions already in file. [redacted] |  |  | 08/13/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 223813906 | [Redacted] | [Redacted] |  | 34093321 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-08-06): Final 1003 received. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-05): URLA | 08/06/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223813906 | [Redacted] | [Redacted] |  | 34093337 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Bank Statement missing for [redacted] for the account #[redacted]. |  |  |  | Reviewer Comment (2025-08-11): Received bank statement for the month of [redacted] of account [redacted]. Exception cleared.<br>Buyer Comment (2025-08-07): [redacted] statement<br>Reviewer Comment (2025-08-06): File is still missing business bank statement [redacted] for the month of [redacted]. exception remains.<br>Buyer Comment (2025-08-05): bank statements | 08/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223813906 | [Redacted] | [Redacted] |  | 34093349 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (2025-08-06): Initial Escrow Account Disclosure received. Exception cleared<br>Buyer Comment (2025-08-05): IEAD | 08/06/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223813906 | [Redacted] | [Redacted] |  | 34093354 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-19): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-08-15): PCCD | 08/19/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223813906 | [Redacted] | [Redacted] |  | 34093369 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Bank Statement missing for [redacted] month [redacted]for the account #[redacted]. |  |  |  | Reviewer Comment (2025-08-11): Received bank statement for the month of [redacted] of account [redacted]. Exception cleared. | 08/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223813906 | [Redacted] | [Redacted] |  | 34093527 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is missing Bank Statement missing for [redacted] month [redacted] for the account #[redacted], causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-08-11): Received bank statement for the month of [redacted] of account [redacted]. Exception cleared. | 08/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223813906 | [Redacted] | [Redacted] |  | 34099739 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing Bank Statement missing for [redacted] month, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-08-11): Received bank statement for the month of [redacted] of account[redacted]. Exception cleared. | 08/11/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223813910 | [Redacted] | [Redacted] |  | 34094202 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan ([redacted]): Required supplemental insurance not escrowed on a 1st lien mortgage loan. | Supplemental insurance not escrowed on first lien. |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-26): Fed Ex, LOX, PCCD, Ck Copy, Tracking | 08/28/2025 |  |  | 1 C A |  | WA | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C B A | Non QM | Non QM | Yes |
| 223813910 | [Redacted] | [Redacted] |  | 34094203 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-26): Fed Ex, LOX, PCCD, Ck Copy, Tracking uploaded | 08/28/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223813910 | [Redacted] | [Redacted] |  | 34094206 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due addition of Title Recording Service fee and Title tax cert fee . No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-27): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-26): Fed Ex, LOX, PCCD, Ck Copy, Tracking uploaded |  | 08/27/2025 |  | 2 C B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223816680 | [Redacted] | [Redacted] |  | 34104286 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-08-22): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): Fed Ex, LOX, PCCD, Ck Copy, Tracking |  | 08/22/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223816680 | [Redacted] | [Redacted] |  | 34104287 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Tax Transfer was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-08-22): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): Fed Ex, LOX, PCCD, Ck Copy, Tracking uploaded |  | 08/22/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223830665 | [Redacted] | [Redacted] |  | 34106394 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to addition of Recording fees. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2025-07-31): Sufficient Cure Provided At Closing |  | 07/31/2025 |  | 1 A |  | NV | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223830665 | [Redacted] | [Redacted] |  | 34106395 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure .. |  |  |  | Reviewer Comment (2025-07-31): Sufficient Cure Provided At Closing |  | 07/31/2025 |  | 1 A |  | NV | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223830665 | [Redacted] | [Redacted] |  | 34122079 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | File is missing a valid COC indicating what fee is changing, why it is changing and by how much. Tolerance cure is insufficient to cure all tolerance violations. |  |  |  | Reviewer Comment (2025-08-20): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-19): PCCD with cure |  | 08/20/2025 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223830665 | [Redacted] | [Redacted] |  | 34122080 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | File is missing a valid COC indicating what fee is changing, why it is changing and by how much. Tolerance cure is insufficient to cure all tolerance violations. |  |  |  | Reviewer Comment (2025-08-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-18): See lender credit on bottom of page [redacted] of consummation CD | 08/19/2025 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223830665 | [Redacted] | [Redacted] |  | 34122081 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | File is missing a valid COC indicating what fee is changing, why it is changing and by how much. Tolerance cure is insufficient to cure all tolerance violations. |  |  |  | Reviewer Comment (2025-08-20): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2025-08-20): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-19): PCCD with cure |  | 08/20/2025 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223836737 | [Redacted] | [Redacted] |  | 34105212 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-08-06): Proof of Appraisal delivery received. Exception cleared.<br>Buyer Comment (2025-08-05): Appraisal sent | 08/06/2025 |  |  | 1 B A |  | OH | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223836737 | [Redacted] | [Redacted] |  | 34105342 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted]. Borrower is recently divorced. Per the divorce decree, borrower received half of many accounts with ex-husband. Divorce decree ordered borrower to open their own account with funds. We only have a screenshot of the funds available in [redacted] and no formal statement/ [redacted] months of statements. Borrower has over $[redacted] in account and qualifying with Method #1. There is a mortgage on credit, but that was for previous marital home that was awarded to ex-husband. Borrower is not obligated and therefore no mortgage was input on Method #1 for qualifying. Requesting exception for not having [redacted] months of statements. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-01): Client elects to waive with compensating factors. |  |  | 08/01/2025 | 2 B |  | OH | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223836737 | [Redacted] | [Redacted] |  | 34105505 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-26): PCCD with cure<br>Reviewer Comment (2025-08-15): [redacted] Received COC stating Rent schedule fee added; however, file is missing copy of rent schedule and operating income statement. Please provide rent schedule and operating income statement.<br>Buyer Comment (2025-08-14): TRID response |  | 08/27/2025 |  | 2 C B |  | OH | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223836737 | [Redacted] | [Redacted] |  | 34105508 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-14): TRID response | 08/15/2025 |  |  | 1 C A |  | OH | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223836756 | [Redacted] | [Redacted] |  | 34105093 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved at origination for Section [redacted]: [redacted] ([redacted] Home Investment >[redacted]% LTV). Exception request for eligibility of subject property. The subject property is a legally zoned 2 bd/2 ba SFR located in a suburban area, with <1 acre, well water, and septic sewer. The appraiser has provided a mix of faux log home comparable. A supportive CDA is on file. Compensating factors are long term home ownership (>[redacted] years) and FICO [redacted] or more above requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-01): Client elects to waive with compensating factors. |  |  | 08/01/2025 | 2 B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223836756 | [Redacted] | [Redacted] |  | 34105104 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-26): BPC | 08/28/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223837755 | [Redacted] | [Redacted] |  | 34108725 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | No evidence that borrower received a copy of appraisal [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-08-06): Proof of appraisal delivery received. Exception cleared.<br>Buyer Comment (2025-08-05): Proof appraisal sent to borrower | 08/06/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223837755 | [Redacted] | [Redacted] |  | 34108727 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to increase of Recording Fee. $[redacted] No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-15): COC | 08/18/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223837755 | [Redacted] | [Redacted] |  | 34108728 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-18): [redacted] Received Valid COC dated [redacted]<br>Buyer Comment (2025-08-15): See upload | 08/18/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223837755 | [Redacted] | [Redacted] |  | 34148648 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Proof of appraisal delivery for preliminary appraisal not provided in file report date- [redacted]. |  |  |  | Reviewer Comment (2025-08-11): Proof of appraisal delivery received. Exception cleared.<br>Buyer Comment (2025-08-07): Proof appraisal sent to borrower | 08/11/2025 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223837755 | [Redacted] | [Redacted] |  | 34228274 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-18): Sufficient Cure Provided At Closing |  | 08/18/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223837758 | [Redacted] | [Redacted] |  | 34104733 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Pension award letter missing for borrower. |  |  |  | Reviewer Comment (2025-08-18): Award letter provided<br>Buyer Comment (2025-08-14): annuity award letter<br>Reviewer Comment (2025-08-12): Please provide Pension award letter or 1099R. Provided one is Social Security Award Letter.Exception remains.<br>Buyer Comment (2025-08-08): award letter | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223837758 | [Redacted] | [Redacted] |  | 34104885 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-21): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-19): Final CD<br>Reviewer Comment (2025-08-18): File will require a copy of the final CD from the purchase of this property.<br>Reviewer Comment (2025-08-18): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Statement, Tax Verification<br>Buyer Comment (2025-08-14): HOA DUES<br>Reviewer Comment (2025-08-11): Required Mortgage statement for reo property -[redacted] to verify P&I amount. Still there is difference of[redacted] after considering tax and insurance premium amount, Required HOA document if any. Exception remains.<br>Buyer Comment (2025-08-08): taxes and ins | 08/21/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223837758 | [Redacted] | [Redacted] |  | 34105060 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing pension award letter for borrower and REO documentation. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-14): see docs uploaded for review to clear<br>Reviewer Comment (2025-08-12): Please provide Pension award letter or 1099R. Provided one is Social Security Award Letter. Exception remains.<br>Buyer Comment (2025-08-08): documents have been uploaded for review. | 08/18/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223837758 | [Redacted] | [Redacted] |  | 34105061 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is missing pension award letter for borrower and REO documentation causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-14): see docs uploaded for review to clear | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223837758 | [Redacted] | [Redacted] |  | 34105062 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Transfer tax $[redacted]was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-22): [redacted] Received Corrected PCCD and LOE without transfer tax fee as per final settlement statement.<br>Buyer Comment (2025-08-21): The Certified Copy of the Settlement Statement [redacted] that includes Transfer Taxes is the Estimated Statement. The Final Settlement Statement is on [redacted]and confirms no Transfer Taxes<br>Reviewer Comment (2025-08-20): [redacted] Received PCCD removing the transfer tax; however, file contains True and certified final settlement with transfer tax [redacted] Provide updated true and certified Final settlement statement without transfer tax and LOE describing the changes made on PCCD.<br>Buyer Comment (2025-08-19): Please see Per Diem PCCD and Final Settlement Statement that was delivered with original credit package. Thank you!<br>Reviewer Comment (2025-08-19): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the transfer tax fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-18): Fees disclosed on [redacted] CD after bwr changed Title companies per COC | 08/22/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223837758 | [Redacted] | [Redacted] |  | 34122769 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a current mortgage statement supporting payment includes PITI. |  |  |  | Reviewer Comment (2025-08-11): Mortgage statement provided for Reo property - [redacted]. Exception cleared.<br>Buyer Comment (2025-08-08): mortgage statement - escrowed tax & ins | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223837811 | [Redacted] | [Redacted] |  | 34103876 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-08-22): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): Rebuttal<br>Reviewer Comment (2025-08-20): [redacted] Received Cure Docs for [redacted]; however, Cure require is [redacted] Provide additional Cure Docs for [redacted] or provide LOE / supporting documents for Credit report fee rounded off on Initial LE.<br>Buyer Comment (2025-08-19): Cure docs |  | 08/22/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223851635 | [Redacted] | [Redacted] |  | 34115579 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final closing disclosure dated [redacted] disclosed a Total of payments of $[redacted]. The calculated finance charge is $[redacted]creating a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received lender attestation confirming tax cert is one time fee<br>Buyer Comment (2025-08-19): [redacted]_Tax Cert Fee<br>Reviewer Comment (2025-08-13): [redacted] received Compliance Report. The fee differences in the compliance report and [redacted] calculations is the Title-Flood Determination Fee in Section [redacted] for [redacted] and Title-Tax Certification Fee [redacted]. Cure is Corrected CD, LOE to borrowerm, copy of cure refund of [redacted], proof of mailing and proof of reopening of rescission to all consumers as this is material disclosure on rescindable transaction.<br>Buyer Comment (2025-08-12): Final Mavent | 08/20/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223851635 | [Redacted] | [Redacted] |  | 34115580 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[redacted]). | Final closing disclosure dated [redacted] disclosed a Total of payments of $[redacted]. The calculated finance charge is $[redacted]creating a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received lender attestation confirming tax cert is one time fee<br>Buyer Comment (2025-08-19): Cure docs<br>Reviewer Comment (2025-08-13): [redacted] received Compliance Report. The fee differences in the compliance report and [redacted] calculations is the Title-Flood Determination Fee in Section [redacted] for [redacted] and Title-Tax Certification Fee [redacted]Cure is Corrected CD, LOE to borrowerm, copy of cure refund of [redacted], proof of mailing and proof of reopening of rescission to all consumers as this is material disclosure on rescindable transaction.<br>Buyer Comment (2025-08-12): See upload | 08/20/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223851635 | [Redacted] | [Redacted] |  | 34115581 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223851635 | [Redacted] | [Redacted] |  | 34115583 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-07): Esign consent date provided.<br>Buyer Comment (2025-08-05): Compliance Report | 08/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223852127 | [Redacted] | [Redacted] |  | 34116031 |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal Report is missing in fle. |  |  |  | Reviewer Comment (2025-08-13): Appraisal received and updated. Exception Cleared.<br>Buyer Comment (2025-08-12): Appraisal | 08/13/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 223852127 | [Redacted] | [Redacted] |  | 34116032 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-08-13): Appraisal received and updated. Exception Cleared. | 08/13/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 223852127 | [Redacted] | [Redacted] |  | 34116055 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Appraisal Report is missing in file. |  |  |  | Reviewer Comment (2025-08-13): Appraisal received and updated. Exception Cleared. | 08/13/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 223852127 | [Redacted] | [Redacted] |  | 34116084 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee disclosed as $[redacted] Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-22): [redacted] Received Valid COC dated [redacted]<br>Buyer Comment (2025-08-21): COC | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223852221 | [Redacted] | [Redacted] |  | 34116942 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing tax and Insurance verification for the property [redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received Tax Certificate. Exception cleared.<br>Buyer Comment (2025-08-13): Please see attached proof of tax for [redacted]<br>Reviewer Comment (2025-08-13): HOA, HOA updated, unable to verify the tax certificate as no property address. Exception Remains.<br>Buyer Comment (2025-08-11): Please see attached PITIA docs for REO [redacted] | 08/15/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223852221 | [Redacted] | [Redacted] |  | 34116971 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] Received Corrected PCCD and LOE moving Pest Inspection fee to Section [redacted].<br>Buyer Comment (2025-08-20): Please see attached PCCD and explanation re: pest inspection. | 08/21/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223852221 | [Redacted] | [Redacted] |  | 34131136 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final 1003 is missing for co-borrower. |  |  |  | Reviewer Comment (2025-08-13): Final 1003 received. Exception Cleared.<br>Buyer Comment (2025-08-11): Please see attached complete 1003s | 08/13/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223852532 | [Redacted] | [Redacted] |  | 34116282 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation | Corrected Closing Disclosure provided on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted]business days prior to consummation |  |  |  | Reviewer Comment (2025-08-13): Received LOA to remove document(s[redacted], from testing as not provided to the borrower.<br>Buyer Comment (2025-08-12): Rebuttal | 08/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| 223852532 | [Redacted] | [Redacted] |  | 34116288 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223852532 | [Redacted] | [Redacted] |  | 34116294 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification not provided. |  |  |  | Reviewer Comment (2025-08-25): Tax verification document provided. Exception cleared.<br>Buyer Comment (2025-08-21): [redacted] taxes are included in the lease agreement of land<br>Reviewer Comment (2025-08-15): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: XXXXX, XXXX, FL[redacted], Address:[redacted], Address: [redacted], Address: [redacted]<br> EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br> Tax Verification<br> Tax Verification<br> Tax Verification<br>Reviewer Comment (2025-08-13): REO income document received except tax verification of [redacted], tax certificate is provided but it does not have property address, unable to verify if it of current property. Exception Remains.<br>Buyer Comment (2025-08-12): [redacted] | 08/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223852532 | [Redacted] | [Redacted] |  | 34116319 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | 442 - Certification not provided. |  |  |  | Reviewer Comment (2025-08-25): Received appraisal document for appraisal as is. Exception cleared.<br>Buyer Comment (2025-08-21): appraisal as is<br>Reviewer Comment (2025-08-15): Receive duplicate lender exception, however the exception does not address the subject to appraisal situation. Condition remains.<br>Buyer Comment (2025-08-13): Exception | 08/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223852532 | [Redacted] | [Redacted] |  | 34116324 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. |  |  |  | Reviewer Comment (2025-08-27): Received evidence of [redacted] replacement cost coverage. Condition cleared.<br>Buyer Comment (2025-08-25): includes address<br>Reviewer Comment (2025-08-13): Email confirmation provided for [redacted] replacement cost but it does not have property address, borrower name, unable to verify the property. Exception Remains.<br>Buyer Comment (2025-08-12): HOI Email | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223852533 | [Redacted] | [Redacted] |  | 34116555 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Notice of Right to Cancel signed by non-borrowing spouse is missing. |  |  |  | Reviewer Comment (2025-08-21): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-19): Received required documentation. The updated RTC expires at midnight on [redacted]. Once this has expired, the condition can be cleared.<br>Buyer Comment (2025-08-19): RTC<br>Reviewer Comment (2025-08-08): Missing RTC signed by [redacted] non-borrowing spouse is missing. exception remains.<br>Buyer Comment (2025-08-06): RTC | 08/21/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 223854844 | [Redacted] | [Redacted] |  | 34115903 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. |  | The HOI policy provided only reflects one month coverage. |  |  |  | Reviewer Comment (2025-08-21): Provided hazard policy with effective date of[redacted]. Exception cleared.<br>Buyer Comment (2025-08-20): HOI<br>Reviewer Comment (2025-08-19): Received HOI policy does not state [redacted] and loan number. Exception remains.<br>Buyer Comment (2025-08-15): COI | 08/21/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223854844 | [Redacted] | [Redacted] |  | 34127887 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Documentation to verify the borrower has ownership in XXXX Inc is not located in the file. |  |  |  | Reviewer Comment (2025-08-07): LOE provided, confirms ownership<br>Buyer Comment (2025-08-05): Can we please review again as the email is confirming ownership coming from the CFO<br>Reviewer Comment (2025-08-05): Provided lender correspondence is the part of Initial package. Require CPA/EA/licensed tax preparer letter or operating agreement to validate the ownership interest in the business. Exception Remains.<br>Buyer Comment (2025-08-04): [redacted] XXXX | 08/07/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223857405 | [Redacted] | [Redacted] |  | 34115920 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock is missing in file. |  |  |  | Reviewer Comment (2025-08-13): Rate Lock document received, exception cleared.<br>Buyer Comment (2025-08-11): Rate lock | 08/13/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223857405 | [Redacted] | [Redacted] |  | 34115921 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor cure provided at closing. |  |  |  | Reviewer Comment (2025-08-25): [redacted] received corrected PCCD, LOE and final SS. with corrected fee name on CD.<br>Buyer Comment (2025-08-22): final settlement statement<br>Reviewer Comment (2025-08-20): [redacted] Received Corrected PCCD and LOE with title prefix for Survey fee; however, required true and certified final settlement statement in order to verify the correct fee name.<br>Buyer Comment (2025-08-19): PCCD | 08/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223857489 | [Redacted] | [Redacted] |  | 34116453 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223858732 | [Redacted] | [Redacted] |  | 34118599 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-08-08): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-06): fraud report | 08/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223858732 | [Redacted] | [Redacted] |  | 34118602 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check not provided. |  |  |  | Reviewer Comment (2025-08-08): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-06): fraud report | 08/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223858760 | [Redacted] | [Redacted] |  | 34120195 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final closing disclosure dated [redacted] disclosed a finance Charge of $[redacted]. Calculated finance charge is $[redacted]creating variance of $[redacted]. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received statement of fee purpose.<br>Buyer Comment (2025-08-19): TRID rebut | 08/20/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223858760 | [Redacted] | [Redacted] |  | 34120196 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final closing disclosure dated [redacted] disclosed a finance Charge of $[redacted]. Calculated finance charge is $[redacted]creating variance of -$[redacted]. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received statement of fee purpose.<br>Buyer Comment (2025-08-19): TRID rebut | 08/20/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223858763 | [Redacted] | [Redacted] |  | 34120989 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2025-08-11): Insurance effective dates must be in effect at the time of closing and/or loan disbursement. Exception Cleared.<br>Buyer Comment (2025-08-07): FSS shows disbursement date o[redacted] which matches HOI effective date. Please clear | 08/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223858763 | [Redacted] | [Redacted] |  | 34122932 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-08-11): Appraisal delivery receipt received. Exception Cleared.<br>Buyer Comment (2025-08-07): Proof appraisal sent to borrower | 08/11/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223858763 | [Redacted] | [Redacted] |  | 34122939 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Lender Exception requested and approved to exceed $[redacted]max loan amount for [redacted]% LTV and [redacted]FICO. No additional conditions required for approval. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Miscellaneous | Documentation Type: [redacted]Full Doc<br> Disposable Income: $[redacted]<br>Reduction in housing/mortgage payment. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-05): Client elects to waive with compensating factors. |  |  | 08/05/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223858763 | [Redacted] | [Redacted] |  | 34369447 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [redacted] documentation |  |  |  | Reviewer Comment (2025-09-08): [redacted] documentation provided.<br>Buyer Comment (2025-09-05): See above<br>Buyer Comment (2025-09-05): Please see attached. Requesting to eliminate from DTI | 09/08/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223858793 | [Redacted] | [Redacted] |  | 34124513 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-25): Cure docs |  | 08/27/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223858793 | [Redacted] | [Redacted] |  | 34124514 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-19): Rebuttal | 08/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223858798 | [Redacted] | [Redacted] |  | 34124553 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing on file |  |  |  | Reviewer Comment (2025-08-08): E-sign received, exception cleared.<br>Buyer Comment (2025-08-07): E-consent | 08/08/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223858798 | [Redacted] | [Redacted] |  | 34124585 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for - Refinance of a Land Contract with Cash Out (Section [redacted] limits refinances of land contracts to rate/term only) | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-12): Client elects to downgrade and waive with compensating factors.<br>Buyer Comment (2025-08-08): please see attached |  |  | 08/12/2025 | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223858798 | [Redacted] | [Redacted] |  | 34124615 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Tax ex[redacted]sion provided for [redacted] |  |  |  | Reviewer Comment (2025-08-13): Client elects to waive.<br>Reviewer Comment (2025-08-12): Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent.<br>Buyer Comment (2025-08-08): the conditions states we provided the [redacted] tax extension - please cancel this condition or clarify what is needed. |  |  | 08/13/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223858798 | [Redacted] | [Redacted] |  | 34124616 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-22): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): Delivery set for today<br>Reviewer Comment (2025-08-20): [redacted] received PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-19): PCCD with cure |  | 08/22/2025 |  | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223858812 | [Redacted] | [Redacted] |  | 34125274 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The loan is missing most recent tax return for [redacted], causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Buyer Comment (2025-08-06): [redacted]business returns are in original pkg beginning on page [redacted] Personal extension is in original pkg page [redacted] |  |  | 08/07/2025 | 2 B |  | CO | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223858812 | [Redacted] | [Redacted] |  | 34125275 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The loan is missing most recent tax return for [redacted], causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-07): Client elects to waive.<br>Buyer Comment (2025-08-06): [redacted] business returns are in original pkg beginning on page [redacted]. Personal extension is in original pkg page [redacted] |  |  | 08/07/2025 | 2 B |  | CO | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223858812 | [Redacted] | [Redacted] |  | 34147366 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. [redacted] |  |  |  | Reviewer Comment (2025-08-25): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-22): Delivery confirmation<br>Reviewer Comment (2025-08-20): [redacted] received PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-19): Coc and Cure Docs |  | 08/25/2025 |  | 2 C B |  | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223859019 | [Redacted] | [Redacted] |  | 34119602 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure reflects Amount Finance of $[redacted] but calculated Amount Finance of $[redacted]. Variance = $[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received lender attestation that title-tax cert was one time and not life of loan fee<br>Buyer Comment (2025-08-19): Rebut | 08/20/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223859019 | [Redacted] | [Redacted] |  | 34119603 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure reflects Finance Charge of $[redacted] but calculated Finance Charge of $[redacted]. Variance = -$[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received lender attestation that title-tax cert was one time and not life of loan fee<br>Buyer Comment (2025-08-19): Rebut | 08/20/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223859019 | [Redacted] | [Redacted] |  | 34119604 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to increase of Title lender's insurance and addition of title recording service fee and tax certificate fee. . No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-25): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-22): PCCD with cure<br>Reviewer Comment (2025-08-20): [redacted] received CD issued [redacted] Title fees were disclosed in Section [redacted] which are tested at [redacted] tolerance. Provider listed on SSPL is Reginal Lending Center Title. Fees on CD were paid to Fidelity National Title. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section [redacted] and LOE to borrower required to cure.<br>Buyer Comment (2025-08-19): Rebut |  | 08/25/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223859019 | [Redacted] | [Redacted] |  | 34119605 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-19): LC on Final CD | 08/20/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223859019 | [Redacted] | [Redacted] |  | 34119606 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-19): LC on Final CD | 08/20/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223859022 | [Redacted] | [Redacted] |  | 34123210 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing for the subject property. |  |  |  | Reviewer Comment (2025-08-19): Received lease agreement for subject property. Exception cleared.<br>Buyer Comment (2025-08-15): Lease agreement<br>Reviewer Comment (2025-08-08): The appraisal and [redacted] reflect that the property is tenant occupied however a lease agreement is not located in the file.<br>Buyer Comment (2025-08-06): Please see 1007 | 08/19/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223859022 | [Redacted] | [Redacted] |  | 34123213 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of organization/formation is missing in file. |  |  |  | Reviewer Comment (2025-09-30): Received updated Note, Prepayment Addendum and[redacted]Affidavit with updated business entity name in the file. Exception Cleared.<br>Buyer Comment (2025-09-29): Recorded affidavit<br>Buyer Comment (2025-09-29): Corrected Note tracking [redacted]<br>Reviewer Comment (2025-08-07): Received Articles of Organization for [redacted], require Articles of Organization for [redacted]. Exception Remains.<br>Reviewer Comment (2025-08-07): Cleared in error.<br>Reviewer Comment (2025-08-07): Received Articles of Organization. Exception Cleared.<br>Buyer Comment (2025-08-06): articles | 09/30/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223859022 | [Redacted] | [Redacted] |  | 34123214 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in file. |  |  |  | Reviewer Comment (2025-10-02): Received certificate of Good Standing and Corrected Note. Exception Cleared.<br>Buyer Comment (2025-09-30): Please clear corrected Note has been provided<br>Reviewer Comment (2025-08-07): Received COGS for [redacted] require COGS for [redacted]. Exception Remains<br>Buyer Comment (2025-08-06): COGS | 10/02/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223859022 | [Redacted] | [Redacted] |  | 34123215 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution is missing in file. |  |  |  | Reviewer Comment (2025-10-06): Cleared. Received required document.<br>Buyer Comment (2025-10-02): Consent<br>Reviewer Comment (2025-10-02): [redacted] Consent & Resolution to Borrow not provided. Exception remains.<br>Buyer Comment (2025-09-30): Please clear corrected Note has been provided | 10/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223859022 | [Redacted] | [Redacted] |  | 34123229 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer identification number is missing in file. |  |  |  | Reviewer Comment (2025-10-06): Cleared. Received required document.<br>Buyer Comment (2025-10-02): EIN<br>Reviewer Comment (2025-10-02): Employer identification number not provided. Exception remains.<br>Buyer Comment (2025-09-30): Please clear corrected Note has been provided | 10/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223859022 | [Redacted] | [Redacted] |  | 34123234 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing in file. |  |  |  | Reviewer Comment (2025-10-06): Cleared. Received required document.<br>Buyer Comment (2025-10-02): Operating agreement<br>Reviewer Comment (2025-10-02): Operating agreement for borrowing entity not provided. Exception remains.<br>Buyer Comment (2025-09-30): Please clear corrected Note has been provided | 10/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223859023 | [Redacted] | [Redacted] |  | 34125097 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Gift fund source of deposit is not provided in file. |  |  |  | Reviewer Comment (2025-08-11): Deposit receipt associated. Exception cleared.<br>Buyer Comment (2025-08-08): Wire transfer | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223859023 | [Redacted] | [Redacted] |  | 34125108 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted]which exceeds the $[redacted]threshold. | Final closing disclosure disclosed a Total of payments of $[redacted] that is $[redacted] less than calculated Total of payments of $[redacted]which is based on the post-closing disclosure. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received LOE and PCCD.<br>Buyer Comment (2025-08-19): pccd,[redacted], final settlement statement<br>Buyer Comment (2025-08-19): pccd, [redcated], final settlement statement<br>Buyer Comment (2025-08-19): pccd, [redacted], final settlement statement<br>Buyer Comment (2025-08-19): [redacted], final settlement statement, pccd |  | 08/20/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223859028 | [Redacted] | [Redacted] |  | 34122443 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-20): PCCD |  | 08/21/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223859029 | [Redacted] | [Redacted] |  | 34123469 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-15): Provided final title policy. Exception cleared. | 08/15/2025 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223859029 | [Redacted] | [Redacted] |  | 34123470 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy coverage is less than original loan amount. |  |  |  | Reviewer Comment (2025-08-15): Provided final title policy with coverage amount same as loan amount. Exception cleared.<br>Buyer Comment (2025-08-14): Title | 08/15/2025 |  |  | 1 B A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223859029 | [Redacted] | [Redacted] |  | 34123485 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal consent form is missing in file. |  |  |  | Reviewer Comment (2025-08-12): Spousal consent form is not required on an investment property. Exception cleared.<br>Buyer Comment (2025-08-08): "Spousal Consent not required on an investment property purchase, Please Waive" | 08/12/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223859096 | [Redacted] | [Redacted] |  | 34119713 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Borrower marked "yes" on 1003 for compliance question asking if property will be occupied as a primary residence. |  |  |  | Reviewer Comment (2025-08-08): Corrected 1003 received, exception cleared.<br>Buyer Comment (2025-08-07): corrected 1003 | 08/08/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223859096 | [Redacted] | [Redacted] |  | 34124921 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-08): E-sign proof received, exception cleared.<br>Buyer Comment (2025-08-07): E consent | 08/08/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223859096 | [Redacted] | [Redacted] |  | 34124975 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Loan Discount Points fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | DE | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223859096 | [Redacted] | [Redacted] |  | 34136217 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] months statements for asset accounts ending in [redacted]and [redacted]not provided in file. |  |  |  | Reviewer Comment (2025-08-08): Letter of explanation in the file, newly opened account, exception cleared.<br>Buyer Comment (2025-08-07): LOE for assets | 08/08/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223859096 | [Redacted] | [Redacted] |  | 34136221 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] months statements for asset accounts ending in [redacted]and [redacted]not provided in file. |  |  |  | Reviewer Comment (2025-08-08): Letter of explanation in the file, newly opened account, exception cleared.<br>Buyer Comment (2025-08-07): LOE for assets | 08/08/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223859096 | [Redacted] | [Redacted] |  | 34136235 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing asset documentation: [redacted] months statements for asset accounts ending in [redacted] and [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-08): Letter of explanation in the file, newly opened account, exception cleared.<br>Buyer Comment (2025-08-07): LOE for assets | 08/08/2025 |  |  | 1 B A C |  | DE | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223859096 | [Redacted] | [Redacted] |  | 34136236 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-08-08): Letter of explanation in the file, newly opened account, exception cleared.<br>Buyer Comment (2025-08-07): LOE for asset | 08/08/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223859096 | [Redacted] | [Redacted] |  | 34136260 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to missing asset documentation: [redacted] months statements for asset accounts ending in [redacted] and [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-08): Letter of explanation in the file, newly opened account, exception cleared.<br>Buyer Comment (2025-08-07): LOE for assets | 08/08/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223861710 | [Redacted] | [Redacted] |  | 34124944 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-08-08): Received chain of title reflecting last sale date of [Redacted]. | 08/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223861710 | [Redacted] | [Redacted] |  | 34124945 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule ([redacted]): Flipped Property - Creditor did not obtain [redacted] writ[redacted] appraisals. | Creditor did not obtain [redacted] writ[redacted] appraisals. |  |  |  | Reviewer Comment (2025-08-08): Received chain of title reflecting last sale date of [Redacted].<br>Buyer Comment (2025-08-06): Property was not a flip-last transaction was a quit claim deed into a trust, not a sale- please see chain of title attached to waive condition | 08/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223861710 | [Redacted] | [Redacted] |  | 34124948 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Massachusetts Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details) | Massachusetts Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. | Waterfall due to higher priced mortgage: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-08-08): Received chain of title reflecting last sale date of [Redacted]. | 08/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223861710 | [Redacted] | [Redacted] |  | 34124949 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-08-08): Received chain of title reflecting last sale date of[Redacted]. | 08/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 223861710 | [Redacted] | [Redacted] |  | 34124950 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Survey fee of $[redacted]not disclosed to borrower on initial and final LE's. No valid change of circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-08-22): [Redacted] Received Corrected PCCD and LOE along with email confirmation.<br>Buyer Comment (2025-08-21): Corrected PCCD attached<br>Reviewer Comment (2025-08-20): [Redacted] Received Email confirmation showing survey required by title. Provide Corrected PCCD and LOE moving fee to section [Redacted].<br>Buyer Comment (2025-08-19): Please see email from title to confirm survey fee was required- no refund due to remedy.<br>Reviewer Comment (2025-08-19): [Redacted] received Letter of explanation and Corrected Closing disclosure for the survey fee disclosed with Title prefix and moved to section [Redacted] under borrower cannot shopped for services section. Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-08-18): PCCD DOCS/TITLE LOX | 08/22/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223861710 | [Redacted] | [Redacted] |  | 34124990 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for income calculation; using both personal and business (they do not intercede) is approved. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]Bank Statement<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted]years. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-05): Client elected to waive exceptions with compensating factors. |  |  | 08/05/2025 | 2 B |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223861710 | [Redacted] | [Redacted] |  | 34124998 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for employment history: Business created [redacted] months ago ITIN should be marked YES - This is ITIN borrower. Borrower has been self-employed in current business for [redacted] months ([redacted]). Business was created in J[redacted] verified by CPA. However, CPA letter state [redacted] years of being self-employed. Exception has been approved. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]Bank Statement<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted]years. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-05): Client elected to waive exceptions with compensating factors. |  |  | 08/05/2025 | 2 B |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223861710 | [Redacted] | [Redacted] |  | 34169656 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-08-11): Client elects to waive. |  |  | 08/11/2025 | 2 B |  | MA | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 223862288 | [Redacted] | [Redacted] |  | 34146109 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-14): E-Sign Consent Agreement provided in loan file.<br>Buyer Comment (2025-08-13): Please see attached econsent. | 08/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223862290 | [Redacted] | [Redacted] |  | 34125128 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Unable to monthly insurance payment, insurance information for [redacted] is missing. |  |  |  | Reviewer Comment (2025-08-11): Hazard Insurance received. Exception Cleared.<br>Buyer Comment (2025-08-07): HOI [redacted] | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223862290 | [Redacted] | [Redacted] |  | 34125134 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | VOR is missing on file |  |  |  | Reviewer Comment (2025-08-22): updated 1003 was provided<br>Buyer Comment (2025-08-20): updated 1003<br>Reviewer Comment (2025-08-19): The file is missing the updated 1003.<br>Buyer Comment (2025-08-15): PC cert + 1003<br>Reviewer Comment (2025-08-11): Borrower prior housing history is not provided, unable to verify the delinquency if any? B[Redacted] owned the property and B[Redacted] was on rented property, require VOR/VOM of their prior housing. Exception Remains.<br>Buyer Comment (2025-08-07): Please, clarify what property this VOR is in relation to. | 08/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223862862 | [Redacted] | [Redacted] |  | 34137713 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [redacted]business days of application. |  |  |  | Reviewer Comment (2025-08-15): [Redacted] received e-consent.<br>Buyer Comment (2025-08-14): Compliance Report | 08/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862862 | [Redacted] | [Redacted] |  | 34137716 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure and no valid COC provided. |  |  |  | Reviewer Comment (2025-08-21): [Redacted] Received Corrected PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-08-20): Upld cure docs |  | 08/21/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223862862 | [Redacted] | [Redacted] |  | 34137737 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Requesting to permit a [redacted]% DTI vs previously approved [redacted]% | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-15): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-14): See upload<br>Reviewer Comment (2025-08-13): Please note that the lender exception provided requires the DTI to be [Redacted]% however Due Diligence calculation in[Redacted]%.<br>Buyer Comment (2025-08-11): Exception [redacted]<br>Reviewer Comment (2025-08-11): Unable to downgrade exception. Per lender exception maximum DTI allowed is [Redacted]% however calculated DTI is [Redacted]%. [redacted] was already excluded from DTI.<br>Buyer Comment (2025-08-07): See [Redacted]<br>Reviewer Comment (2025-08-05): Unable to downgrade and wave, DTI exceeds [Redacted]. |  |  | 08/15/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862862 | [Redacted] | [Redacted] |  | 34137750 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Max LTV allowed with a DTI>[redacted]% is [redacted]% Requesting an exception to allow for [redacted]% | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-05): Client elected to waive exceptions with compensating factors. |  |  | 08/05/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862862 | [Redacted] | [Redacted] |  | 34137762 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Non-warrantable condo due to critical repairs. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-05): Client elected to waive exceptions with compensating factors. |  |  | 08/05/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862862 | [Redacted] | [Redacted] |  | 34143876 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds max allowed per lender exception [redacted]%. DTI mismatch due to other payments. Lender calculated other payment is $[redacted]which is higher than calculated other payment $[redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-14): See Upload<br>Reviewer Comment (2025-08-13): Please note that the lender exception provided requires the DTI to be [Redacted]% however Due Diligence calculation in [Redacted]%.<br>Buyer Comment (2025-08-11): See upld exception | 08/15/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223862862 | [Redacted] | [Redacted] |  | 34143877 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds max allowed per lender exception [redacted]%. DTI mismatch due to other payments. Lender calculated other payment is $[redacted] which is higher than calculated other payment $[redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-14): See Upload<br>Reviewer Comment (2025-08-13): Please note that the lender exception provided requires the DTI to be [Redacted]% however Due Diligence calculation in [Redacted]%.<br>Buyer Comment (2025-08-11): See upld exception | 08/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862862 | [Redacted] | [Redacted] |  | 34143879 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds max allowed per lender exception [redacted]%. DTI mismatch due to other payments. Lender calculated other payment is $[redacted]which is higher than calculated other payment $[redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-13): Please review XXXX payment $[Redacted] which is paid for by the business.<br>Reviewer Comment (2025-08-13): Please note that the lender exception provided requires the DTI to be [Redacted]% however Due Diligence calculation in [Redacted]%.<br>Buyer Comment (2025-08-11): See upld exception | 08/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862862 | [Redacted] | [Redacted] |  | 34143909 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds max allowed per lender exception [redacted]%. DTI mismatch due to other payments. Lender calculated other payment is $[redacted] which is higher than calculated other payment $[redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-14): See Upload<br>Reviewer Comment (2025-08-13): Please note that the lender exception provided requires the DTI to be[Redacted]% however Due Diligence calculation in [Redacted]%.<br>Buyer Comment (2025-08-11): See upld exception | 08/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862870 | [Redacted] | [Redacted] |  | 34135379 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-19): Received E-sign Consent Agreement document, information validated. Exception Cleared.<br>Buyer Comment (2025-08-15): This is the econsent<br>Reviewer Comment (2025-08-14): E-Sign Consent document is not provided. Exception remains.<br>Buyer Comment (2025-08-13): Blend Tracking attached | 08/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862870 | [Redacted] | [Redacted] |  | 34136122 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-08-27): EV2- not HPML- please waive<br>Reviewer Comment (2025-08-19): Require proof/receipt which confirms copy of appraisal deliver to borrower from [Redacted] business days prior to closing date as provided document shows appraisal delivery to [Redacted] which is after the closing date. Exception Remains.<br>Buyer Comment (2025-08-15): Revised report was completed post-closing adding Jr to the name-delivery cert attached<br>Reviewer Comment (2025-08-14): Evidence of appraisal delivery for appraisal report dated [Redacted] is required. Exception remains.<br>Buyer Comment (2025-08-13): Delivered [Redacted]- the revised report was completed post-closing to add Jr to the name |  |  | 08/27/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223862870 | [Redacted] | [Redacted] |  | 34136123 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of [redacted]. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received PCCD, LOE, copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-25): Cure docs |  | 08/26/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223862870 | [Redacted] | [Redacted] |  | 34136124 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of [redacted]. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received PCCD, LOE, copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-25): cure docs attached to other condition |  | 08/26/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223862870 | [Redacted] | [Redacted] |  | 34136126 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-25): cure docs attached to other condition |  | 08/26/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223862870 | [Redacted] | [Redacted] |  | 34136127 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received PCCD, LOE, copy of refund check and proof of mailing.<br>Reviewer Comment (2025-08-26): [Redacted] received corrected PCCD and LOE. Please provide signed and executed ALTA final SS to finalize the fees.<br>Buyer Comment (2025-08-25): cure docs attached to other condition |  | 08/26/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223871887 | [Redacted] | [Redacted] |  | 34130129 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing executed deed showing transfer of subject property ownership to the borrowing entity. |  |  |  | Reviewer Comment (2025-08-25): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-21): Full Deed<br>Reviewer Comment (2025-08-15): Provided deed does not verify transfer of subject property ownership to the borrowing entity. Exception remains.<br>Buyer Comment (2025-08-14): Deed | 08/25/2025 |  |  | 1 D A |  | MA | Investment | Purchase | D A |  | N/A | No |
| 223871887 | [Redacted] | [Redacted] |  | 34130136 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Fraud report in file. |  |  |  | Reviewer Comment (2025-08-13): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-12): Fraud | 08/13/2025 |  |  | 1 C A |  | MA | Investment | Purchase | D A |  | N/A | No |
| 223871887 | [Redacted] | [Redacted] |  | 34130138 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing executed final HUD/CD in file. |  |  |  | Reviewer Comment (2025-08-15): Received executed closing statement. Exception Cleared<br>Buyer Comment (2025-08-14): FINAL HUD<br>Reviewer Comment (2025-08-13): Received final closing statement is not executed by the borrower. Exception remains.<br>Buyer Comment (2025-08-12): FINAL HUD | 08/15/2025 |  |  | 1 C A |  | MA | Investment | Purchase | D A |  | N/A | No |
| 223871891 | [Redacted] | [Redacted] |  | 34130372 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard Insurance for REO - Mariscal Rd, did not show any premium amount. |  |  |  | Reviewer Comment (2025-09-04): Received hazard insurance verification, Exception Cleared<br>Buyer Comment (2025-09-02): Suspense Items. Max DTI per guidelines is [Redacted]% | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223871891 | [Redacted] | [Redacted] |  | 34130400 |  |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | Lender approved exception for delinquent housing payments. Credit shows a total of 4x30 mortgage late payments.<br>Exception Conditions:<br> [redacted] LLPA will apply.<br> Proof borrower submitted claim to servicer per LOE.<br> Verification that borrower had the money to pay at the time of lates.<br> Subject to meeting all other signature expanded guideline requirements. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-16): Client elects to waive and downgrade with comp factors.<br>Reviewer Comment (2025-09-12): The lender exception requires max [Redacted]% DTI. The DTI increased to [Redacted]% after receiving the HOI premium for the [redacted] property. An updated lender exception approval reflecting the increased DTI is required to waive the exception<br>Buyer Comment (2025-09-10): Borrower has Residual income: $[Redacted]as compensating factor<br>Reviewer Comment (2025-09-10): Unable to downgrade/waive. The lender exception approval requires max [Redacted]% DTI. The DTI increased to [Redacted]% after receiving the HOI premium for the [redacted] property.<br>Buyer Comment (2025-09-06): Please advise. Only [Redacted] late payments as listed in credit exception.<br>Reviewer Comment (2025-09-05): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Housing history reflects a total of [Redacted] reported late payments.<br>Reviewer Comment (2025-09-05): Re-opened exceptions. The lender exception requires max [Redacted]% DTI. The DTI increased to [Redacted]% after receiving the HOI premium for the [redacted] property.<br>Reviewer Comment (2025-08-06): Client elects to waive with compensating factors. |  |  | 09/16/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223871891 | [Redacted] | [Redacted] |  | 34130454 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Changed Circumstances dated [redacted] did not mention the reason for change in fees and which fees were changed. Discount points increased from $[redacted] to $[redacted]on [redacted] without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-08-19): COC | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223871893 | [Redacted] | [Redacted] |  | 34130719 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provided Unanimous consent reflects loan amount as $[redacted]does not match with Note loan amount of $[redacted] |  |  |  | Reviewer Comment (2025-09-15): Received Corporate resolution. Exception cleared.<br>Buyer Comment (2025-09-12): Unanimous Consent & Resolution to Borrower | 09/15/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223871894 | [Redacted] | [Redacted] |  | 34129302 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted]months statements for [redacted] #[redacted]is not located in the file. |  |  |  | Reviewer Comment (2025-08-08): Bank statements received, exception cleared.<br>Buyer Comment (2025-08-07): bank statements | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223871894 | [Redacted] | [Redacted] |  | 34129314 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-08): Title confirmation for the insured amount received, exception cleared<br>Buyer Comment (2025-08-07): title confirmation | 08/08/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223872641 | [Redacted] | [Redacted] |  | 34135040 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]1% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). |  |  |  | Reviewer Comment (2025-08-20): Final CD and fee paid to corrected, exception cleared.<br>Buyer Comment (2025-08-19): final cd | 08/20/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Non QM | Yes |
| 223872661 | [Redacted] | [Redacted] |  | 34134209 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for use of appraised value for cash out refinance with borrower owning property less than [redacted] months. Exception conditions: [redacted]% LTV max, [redacted]DTI Max, Subject to meeting all other signature expanded guideline requirements. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Borrower has been employed in the same industry for [redacted]years. | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-07): Exception |  |  | 08/11/2025 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223872661 | [Redacted] | [Redacted] |  | 34134214 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage amount is insufficient by $[redacted]. |  |  |  | Reviewer Comment (2025-08-11): Cleared. Received RCE.<br>Buyer Comment (2025-08-08): RCE | 08/11/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223872661 | [Redacted] | [Redacted] |  | 34134245 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-22): PCCD |  | 08/25/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223872663 | [Redacted] | [Redacted] |  | 34130745 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy effective date is start after the note date. |  |  |  | Reviewer Comment (2025-08-12): Effective date updated correctly. Exception cleared.<br>Buyer Comment (2025-08-11): HOI (Please see top of page [Redacted]) | 08/12/2025 |  |  | 1 C A |  | KY | Investment | Purchase | C A | N/A | N/A | No |
| 223872663 | [Redacted] | [Redacted] |  | 34130802 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement is missing. |  |  |  | Reviewer Comment (2025-08-15): Received Schedule [Redacted] for [Redacted]income calculation done on the basis of Schedule [Redacted], Exception cleared.<br>Buyer Comment (2025-08-14): [Redacted]TR<br>Reviewer Comment (2025-08-13): Please provide the lease agreement for the property[Redacted]. Exception remains.<br>Buyer Comment (2025-08-11): Property vacant and we are utilizing the [Redacted], please cancel | 08/15/2025 |  |  | 1 C A |  | KY | Investment | Purchase | C A | N/A | N/A | No |
| 223872728 | [Redacted] | [Redacted] |  | 34137084 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Bank statement verifying $[redacted] from XXXX acct #[redacted]not provided in file. |  |  |  | Reviewer Comment (2025-08-19): Received [Redacted] Months bank statement and closing requirement met. Exception Cleared.<br>Buyer Comment (2025-08-15): Assets | 08/19/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223872728 | [Redacted] | [Redacted] |  | 34137096 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Bank statement verifying $[redacted] from XXXX acct #[redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-19): Received [Redacted] Months bank statement and closing requirement met. Exception Cleared.<br>Buyer Comment (2025-08-15): Please see asset stmts uploaded today | 08/19/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223872737 | [Redacted] | [Redacted] |  | 34137024 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid Change of CIrcumstance for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-27): Fed Ex, LOX, PCCD, Ck Copy, Tracking<br>Reviewer Comment (2025-08-13): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the Appraisal Desk Review fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-12): COC Pg [Redacted][Redacted]for LE [Redacted] |  | 08/28/2025 |  | 2 C B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223872737 | [Redacted] | [Redacted] |  | 34137025 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received LOX stating survey was required by title.<br>Buyer Comment (2025-08-25): Memo | 08/26/2025 |  |  | 1 C A |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223872737 | [Redacted] | [Redacted] |  | 34154705 |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 for borrower reflects borrower own business used for qualification. Documentation in file reflects the co-borrower owns the business. Corrected 1003's for both borrowers required. |  |  |  | Reviewer Comment (2025-08-15): Received Post dated 1003 with correct information showing co-borrower is business owner, Exception Cleared.<br>Buyer Comment (2025-08-14): 1003 | 08/15/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223872737 | [Redacted] | [Redacted] |  | 34156005 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception approved for: Bank Statement program, specific business opened less than [redacted] months, more than [redacted]months, requires maximum LTV of [redacted]% | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]Bank Statement<br> Disposable Income: $[redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-14): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-12): Disposition Comments on Exception Max [Redacted]% LTV |  |  | 08/14/2025 | 2 C B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223872738 | [Redacted] | [Redacted] |  | 34139227 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted]). | Amount financed disclosed is $[redacted]. Calculated amount financed is $[redacted]. Variance of $[redacted]. |  |  |  | Reviewer Comment (2025-08-21): [Redacted] received lender attestation that the title-tax cert fee was one time fee<br>Buyer Comment (2025-08-20): Rebut | 08/21/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223872738 | [Redacted] | [Redacted] |  | 34139228 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of $[redacted]. |  |  |  | Reviewer Comment (2025-08-21): [Redacted] received lender attestation that the title-tax cert fee was one time fee<br>Buyer Comment (2025-08-20): Rebut | 08/21/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223872738 | [Redacted] | [Redacted] |  | 34139245 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated reserves of $[redacted]is less than guideline reserves of $[redacted]. |  |  |  | Reviewer Comment (2025-08-12): Gift deposit source updated correctly. Exception cleared.<br>Buyer Comment (2025-08-08): The cash to close is $[Redacted] and we have $[Redacted] which includes the gift . The two EMDs cleared [Redacted] so they shouldn't be included in cash to close calculation. Final is $[Redacted] - $[Redacted] = $[Redacted] which covers reserves<br>Buyer Comment (2025-08-08): EMD cleared | 08/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223872749 | [Redacted] | [Redacted] |  | 34138664 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception request for landlord history waiver- borrower does not own their own home- is approved. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | The DSCR of [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-26): Client elects to waive with comp factors.<br>Buyer Comment (2025-08-22): Please see attached<br>Reviewer Comment (2025-08-15): The only comp factor provided is minimal consumer debt and that is not an option in our drop down. Can you provide additional comp factors?<br>Reviewer Comment (2025-08-14): Grade [Redacted] exception, not informational.<br>Buyer Comment (2025-08-12): Is this informational only or do you need something to clear? |  |  | 08/26/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 223873960 | [Redacted] | [Redacted] |  | 34139116 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of [redacted] which is after the consummation date of[redacted] |  |  |  | Reviewer Comment (2025-08-11): Insurance effective dates must be in effect at the time of closing and/or loan disbursement. Exception Cleared.<br>Buyer Comment (2025-08-07): Please see Final Alta disbursement date [Redacted] aligns with HOI effective date of [Redacted]. Please clear | 08/11/2025 |  |  | 1 C A |  | ME | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223873960 | [Redacted] | [Redacted] |  | 34139249 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | The file is missing the [redacted] personal and business tax returns. Evidence of ex [redacted] sion provided in file for [redacted]. The file contained a copy of the [redacted]1040's and business returns. |  |  |  | Reviewer Comment (2025-08-08): Client elects to waive.<br>Buyer Comment (2025-08-07): Tax ext |  |  | 08/08/2025 | 2 B |  | ME | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223873960 | [Redacted] | [Redacted] |  | 34139250 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of ex[redacted]sion provided in file for [redacted] . The file contained a copy of the [redacted] 1040's and business returns. |  |  |  | Reviewer Comment (2025-08-13): Client elects to waive.<br>Buyer Comment (2025-08-11): Extension for [Redacted] XXXX was provided please clear |  |  | 08/13/2025 | 2 B |  | ME | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223873960 | [Redacted] | [Redacted] |  | 34139251 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of ex[redacted]sion provided in file for [redacted]. The file contained a copy of the [redacted]1040's and business returns. |  |  |  | Reviewer Comment (2025-08-13): Client elects to waive. |  |  | 08/13/2025 | 2 B |  | ME | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223873960 | [Redacted] | [Redacted] |  | 34139254 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by $[redacted]due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-22): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): PCCD |  | 08/22/2025 |  | 2 C B |  | ME | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223873960 | [Redacted] | [Redacted] |  | 34139319 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $[redacted]is less than Guideline Available for Reserves of $[redacted].. |  |  |  | Reviewer Comment (2025-08-19): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-15): Please cancel - Per guidelines, section [Redacted] : Reserves, loans utilizing AUS may follow findings for reserve requirements. In our case, this loan was reviewed to the DU findings in file which only require [Redacted] mos reserves = $[Redacted] total. | 08/19/2025 |  |  | 1 C A |  | ME | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223873963 | [Redacted] | [Redacted] |  | 34138667 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. |  |  |  |  | Reviewer Comment (2025-09-10): [Redacted]received application date LOE.<br>Buyer Comment (2025-09-08): email thread<br>Buyer Comment (2025-09-08): contract received [Redacted]<br>Reviewer Comment (2025-08-28): [Redacted]received disclosures summary to verify that the disclosures were sent on [Redacted] but this information is not sufficient to confirm whether lender has not received the sales contract till [Redacted]. Since the [Redacted] is missing only property address which was supposed to be received when sales has contract executed. Please provide more information on receipt of all [Redacted] pieces of information to lender.<br>Buyer Comment (2025-08-27): application date [Redacted]<br>Reviewer Comment (2025-08-18): Please provide further documentation and explanation for application date. Factual Data Credit Assure is dated [Redacted] (Doc ID [Redacted])and Rate lock is also dated [Redacted]which reflects subject property, Doc ID [Redacted]). Applications in file reflects a [Redacted] Date & [Redacted] Date with missing property address. Sales contract executred on [Redacted]. Unable to determine date lender was provided the [redacted] pieces of information for the initial application date. Please provide explanation and documentation to support the app date.<br>Buyer Comment (2025-08-14): initial 1003<br>Reviewer Comment (2025-08-13): [Redacted] received LOX. However, we would require initial application as it missing from the file.<br>Buyer Comment (2025-08-11): PC Cert<br>Reviewer Comment (2025-08-11): The timing for the LE under § [Redacted](e)([Redacted])(iii) is [redacted] business days from application. Initial LE issued [Redacted]. On this loan, the LE should have been issued within [Redacted] business days of the broker application date of [Redacted].<br>Buyer Comment (2025-08-08): Initial LE | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223873963 | [Redacted] | [Redacted] |  | 34138669 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller paid fees on Seller's Closing Disclosure are not consis[redacted]t with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-09-10): Seller fees do not match. | 09/10/2025 |  |  | 1 A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223873963 | [Redacted] | [Redacted] |  | 34153762 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non-warrantable condo due to presales and [redacted] new construction. Non-gut condo conversion with only [redacted]% presale to owner occupants (vs. [redacted] % presale to owner occupants normally required). | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-20): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-18): exception<br>Reviewer Comment (2025-08-06): Client elected to waive exceptions with compensating factors. |  |  | 08/20/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223877134 | [Redacted] | [Redacted] |  | 34142831 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223877134 | [Redacted] | [Redacted] |  | 34344122 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [redacted] |  |  |  | Reviewer Comment (2025-09-05): Received AirDNA income worksheet in the file, Exception Cleared.<br>Buyer Comment (2025-09-03): Income worksheet<br>Buyer Comment (2025-09-03): Please see XXXX info and income calculation that should have been sent in original document package - please note the $[Redacted]already is the net [Redacted]% | 09/05/2025 |  |  | 1 A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223877135 | [Redacted] | [Redacted] |  | 34145700 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-21): [Redacted] received corrected PCCD and LOE moving the non-lender required fee from section [Redacted] to [Redacted].<br>Buyer Comment (2025-08-19): PCCD | 08/21/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223877140 | [Redacted] | [Redacted] |  | 34143406 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-08-11): [Redacted] received e-consent.<br>Buyer Comment (2025-08-08): E Conf | 08/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223877140 | [Redacted] | [Redacted] |  | 34143408 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redcated] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for [redcated] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] |  |  |  | Reviewer Comment (2025-08-21): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-20): Fed Ex, LOX, PCCD, Ck Copy |  | 08/21/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223877171 | [Redacted] | [Redacted] |  | 34142697 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-14): Secondary | 08/18/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A B | N/A | N/A | No |
| 223877171 | [Redacted] | [Redacted] |  | 34154673 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Preliminary in file. |  |  |  | Reviewer Comment (2025-08-13): Title Supplement received & associated. Exception cleared.<br>Buyer Comment (2025-08-11): Supplement | 08/13/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | D A B | N/A | N/A | No |
| 223877172 | [Redacted] | [Redacted] |  | 34144843 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223877175 | [Redacted] | [Redacted] |  | 34140227 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement and mortgage statement is missing. |  |  |  | Reviewer Comment (2025-08-12): REO docs received.<br>Buyer Comment (2025-08-11): Lease agreement and Mtg statement | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223877175 | [Redacted] | [Redacted] |  | 34140293 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to missing lease agreement for REO property, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-12): REO docs received. | 08/12/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223877175 | [Redacted] | [Redacted] |  | 34140294 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted] % Method | Ability to Repay ([redacted]): Unable to verify Real Estate Owned income ([redacted] % Method) using reasonably reliable third-party records. | The loan is missing lease agreement for REO property, causing the loan to [redacted] . |  |  |  | Reviewer Comment (2025-08-12): REO docs received. | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223877175 | [Redacted] | [Redacted] |  | 34140295 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | The loan is missing lease agreement for REO property, causing the loan to [redacted] . |  |  |  | Reviewer Comment (2025-08-12): REO docs received. | 08/12/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223877175 | [Redacted] | [Redacted] |  | 34164615 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Lease agreement and mortgage statement for REO property. |  |  |  | Reviewer Comment (2025-08-12): REO docs received. | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223877175 | [Redacted] | [Redacted] |  | 34164634 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing lease agreement for REO property. |  |  |  | Reviewer Comment (2025-08-12): REO docs received. | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223877175 | [Redacted] | [Redacted] |  | 34164639 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing lease agreement for REO property. |  |  |  | Reviewer Comment (2025-08-12): REO docs received. | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223877179 | [Redacted] | [Redacted] |  | 34142885 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-08-13): PDI provided.<br>Buyer Comment (2025-08-12): PDI | 08/13/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223877179 | [Redacted] | [Redacted] |  | 34142901 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-12): E-sign Consent Agreement received, exception cleared.<br>Buyer Comment (2025-08-11): Consent | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223877179 | [Redacted] | [Redacted] |  | 34142937 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted] received Letter of explanation, Corrected Closing disclosure and Disbursements ledger.<br>Buyer Comment (2025-09-15): Disbursement Ledger<br>Reviewer Comment (2025-09-09): [Redacted] received rebuttal comment that the [redacted] is not ALTA state. However, In lieu of the certified final settlement statement, a third-party document, such as a disbursement or balance ledger that has been signed stamped by settlement agent can be used to confirm the specific fee applied the same on PCCD to reevaluate this exception.<br>Buyer Comment (2025-09-05): [Redacted]is not an ALTA state.<br>Reviewer Comment (2025-08-27): [Redacted] received corrected PCCD and LOE however, we required true and certified copy of final SS to finalize the updated fees.<br>Buyer Comment (2025-08-25): LOX, PCCD, Investor Memo uploaded | 09/16/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223877256 | [Redacted] | [Redacted] |  | 34145710 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of organization/formation is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Articles of organization. Exception Cleared.<br>Buyer Comment (2025-08-15): Articles of Organization | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223877256 | [Redacted] | [Redacted] |  | 34145712 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2025-08-15): COGS | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223877256 | [Redacted] | [Redacted] |  | 34145717 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Corporate Resolution. Exception cleared.<br>Buyer Comment (2025-08-15): Corporate Resolution | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223877256 | [Redacted] | [Redacted] |  | 34145718 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer identification number is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Employer Identification Number. Exception Cleared.<br>Buyer Comment (2025-08-15): EIN | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223877256 | [Redacted] | [Redacted] |  | 34145720 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-08-15): Operating Agreement | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223877256 | [Redacted] | [Redacted] |  | 34165324 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Only [redacted] of [redacted] units lease agreement provided. Still need remaining to lease agreement. to calculate correct [redacted] . Investor cash flow worksheet states unit [redacted] $[redacted] , unit [redacted] $[redacted] and unit [redacted] $[redacted] . |  |  |  | Reviewer Comment (2025-08-19): Received Lease Agreement. Exception cleared.<br>Buyer Comment (2025-08-15): Lease Agreements | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223877478 | [Redacted] | [Redacted] |  | 34146379 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-19): [redacted] Rebuttal-credit report fee | 08/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223877478 | [Redacted] | [Redacted] |  | 34146380 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-22): [Redacted] Received Corrected PCCD and LOE with correct fee name.<br>Buyer Comment (2025-08-21): LOX PCCD<br>Reviewer Comment (2025-08-18): [Redacted] Received On LE's fee is reflecting as Title - Survey fee and all CD's fee is reflecting as Survey fee. Kindly confirm the correct fee name and provide letter of Explanation stating both fees are same. Exception will be re-evaluated once updated documents will be received.<br>Buyer Comment (2025-08-15): See Initial LE page [Redacted] [Redacted] section [Redacted] it shows Title - Survey Fee of $[Redacted] and Final CD page [Redacted] Section [Redacted] Survey Fee $[Redacted]. The amounts are consistent. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223877478 | [Redacted] | [Redacted] |  | 34268662 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223877741 | [Redacted] | [Redacted] |  | 34146824 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-08-19): CDA was provided.<br>Buyer Comment (2025-08-15): CDA | 08/19/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223877741 | [Redacted] | [Redacted] |  | 34147011 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Application date was [redacted] and Loan Estimate was issued[redacted] |  |  |  | Reviewer Comment (2025-08-12): [Redacted] received rebuttal suffice. As per [Redacted], FACTA, Purchase contract and Title. At the time of initial 1003 dated [Redacted] does not have all [Redacted] pieces of information available.<br>Buyer Comment (2025-08-11): The [Redacted] application doesn't contain a property address and isn't a true mortgage application. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223877741 | [Redacted] | [Redacted] |  | 34147013 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance in the of amount of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-26): PCCD | 08/27/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223877741 | [Redacted] | [Redacted] |  | 34147015 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Attorney Review Fee was disclosed as $[redacted] on initial LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-27): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-26): PCCD submitted |  | 08/27/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223877741 | [Redacted] | [Redacted] |  | 34159176 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for agricultural use. Property will be used as an active farm for sheep. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-07): Client elects to waive with compensating factors. |  |  | 08/07/2025 | 2 B |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223877779 | [Redacted] | [Redacted] |  | 34146249 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing in file. |  |  |  | Reviewer Comment (2025-08-13): Received Patriot Act Information Form for both borrowers. Exception cleared.<br>Buyer Comment (2025-08-11): Patriot Act | 08/13/2025 |  |  | 1 C A |  | AR | Investment | Purchase | C A |  | N/A | No |
| 223877786 | [Redacted] | [Redacted] |  | 34146356 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-13): Document received to verify Tax amount for Reo property - [Redacted]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-11): REO Docs | 08/13/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223877786 | [Redacted] | [Redacted] |  | 34146388 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | TX | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223877786 | [Redacted] | [Redacted] |  | 34165020 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing tax verification for REO #[redacted] . |  |  |  | Reviewer Comment (2025-08-13): Document received to verify Tax amount for Reo property - [Redacted]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-11): See upload | 08/13/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223877786 | [Redacted] | [Redacted] |  | 34165025 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing tax verification for REO #[redacted] . |  |  |  | Reviewer Comment (2025-08-13): Document received to verify Tax amount for Reo property -[Redacted]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-11): See upload | 08/13/2025 |  |  | 1 B A C |  | TX | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223877786 | [Redacted] | [Redacted] |  | 34165026 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing tax verification for REO #[redacted] . |  |  |  | Reviewer Comment (2025-08-13): Document received to verify Tax amount for Reo property - [Redacted]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-11): See upload | 08/13/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223877786 | [Redacted] | [Redacted] |  | 34165031 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | [redacted] due to missing tax verification for REO #[redacted] . |  |  |  | Reviewer Comment (2025-08-13): Document received to verify Tax amount for Reo property - [Redacted]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-11): See upload | 08/13/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150883 |  |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Security Instrument is not signed by borrower. |  |  |  | Reviewer Comment (2025-08-13): Signed Security Instrument received. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-11): Signed mortgage | 08/13/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150898 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing for [redacted] |  |  |  | Reviewer Comment (2025-08-13): Verification of Mortgage received to verify PITIA. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-11): promissory note<br>Buyer Comment (2025-08-11): VOM | 08/13/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150905 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing for [redacted] |  |  |  | Reviewer Comment (2025-08-19): Closing disclosure received and updated as confirming PITIA. Exception Cleared.<br>Buyer Comment (2025-08-15): final cd<br>Reviewer Comment (2025-08-13): Required Closing disclosure of New [redacted] loan. Property address -[Redacted] .Exception remains.<br>Buyer Comment (2025-08-11): REO docs | 08/19/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150908 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Tax Verification are missing for [redacted] |  |  |  | Reviewer Comment (2025-08-13): Tax Verification and Hazard insurance policy received and details updated. Exception cleared.<br>Buyer Comment (2025-08-11): taxes and HOI | 08/13/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150915 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing for [redacted] |  |  |  | Reviewer Comment (2025-08-19): Closing disclosure received and updated as confirming PITIA. Exception Cleared.<br>Buyer Comment (2025-08-15): final cd<br>Reviewer Comment (2025-08-13): Please provide Closing disclosure of New [redacted] loan. Property address - [Redacted]. .Exception remains.<br>Buyer Comment (2025-08-11): see uploaded promissory note | 08/19/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150916 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing for [redacted] |  |  |  | Reviewer Comment (2025-08-19): Closing disclosure received and updated as confirming PITIA. Exception Cleared.<br>Buyer Comment (2025-08-15): final cd<br>Reviewer Comment (2025-08-13): Please provide Closing disclosure of New [redacted] loan. Property address -[Redacted] .Exception remains.<br>Buyer Comment (2025-08-11): see promissory note | 08/19/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150921 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing for [redacted] |  |  |  | Reviewer Comment (2025-08-19): Closing disclosure received and updated as confirming PITIA. Exception Cleared.<br>Buyer Comment (2025-08-15): final cd<br>Reviewer Comment (2025-08-13): Please provide Closing disclosure of New [redacted] loan. Property address -[Redacted]. Exception remains.<br>Buyer Comment (2025-08-11): see promissory note | 08/19/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150922 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing for [redacted] |  |  |  | Reviewer Comment (2025-08-19): Closing disclosure received and updated as confirming PITIA. Exception Cleared.<br>Buyer Comment (2025-08-15): final cd<br>Reviewer Comment (2025-08-13): Please provide Closing disclosure of New [redacted] loan. Property address - [Redacted]. .Exception remains.<br>Buyer Comment (2025-08-11): see promissory note | 08/19/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34150925 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Tax Verification are missing for[redacted] |  |  |  | Reviewer Comment (2025-08-13): Tax Verification and Hazard insurance policy received and details updated. Exception cleared.<br>Buyer Comment (2025-08-11): HOI & taxes | 08/13/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878007 | [Redacted] | [Redacted] |  | 34171510 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Other not provided |  | Missing Simple Interest Addendum to Note from file. |  |  |  | Reviewer Comment (2025-08-13): Cleared. Received rider.<br>Buyer Comment (2025-08-11): rider | 08/13/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| 223878012 | [Redacted] | [Redacted] |  | 34148390 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary Valuation is missing in file. |  |  |  | Reviewer Comment (2025-08-26): Received CDA.<br>Buyer Comment (2025-08-22): CDA<br>Reviewer Comment (2025-08-14): A secondary valuation is required.<br>Buyer Comment (2025-08-12): Please advise if this is informational and should be waived. We have already provided a full appraisal. | 08/26/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 223878012 | [Redacted] | [Redacted] |  | 34148394 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for "Can you please apply exception from previous loan number [redacted] to this loan? Request for waiver of Landlord History. Borrower has an investment property but it has been vacant for a number of years. Borrower does not meet Landlord History Waiver requirements because he does not own his primary residence and lives rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-08): Client elected to waive exceptions with compensating factors. |  |  | 08/08/2025 | 2 B |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150636 |  |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  |  |  |  |  | Reviewer Comment (2025-08-14): Signed and dated security instrument received. Exception Cleared.<br>Buyer Comment (2025-08-12): [Redacted] Deed of Trust | 08/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150681 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement is missing. |  |  |  | Reviewer Comment (2025-08-28): Received Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-08-26): Final CD for[Redacted]<br>Reviewer Comment (2025-08-25): Received final Closing statement, however the document does not indicate the PITIA amounts.<br>Buyer Comment (2025-08-21): FSS [Redacted]<br>Reviewer Comment (2025-08-19): Please provide Final Closing Statement for the new [redacted] loan of the property [Redacted]. Exception remains.<br>Buyer Comment (2025-08-15): Blanket for [Redacted] homes<br>Reviewer Comment (2025-08-14): Mortgage statement is not provided. Tax and insurance document received. Exception Remains.<br>Buyer Comment (2025-08-12): REO Docs [Redacted] | 08/28/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150688 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Tax Verification are missing |  |  |  | Reviewer Comment (2025-08-14): Tax and insurance document received. Exception Cleared.<br>Buyer Comment (2025-08-12): REO Docs for [Redacted] | 08/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150702 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax and Insurance verification is missing. |  |  |  | Reviewer Comment (2025-08-14): Tax and insurance document received. Exception Cleared.<br>Buyer Comment (2025-08-12): REO DOCS | 08/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150703 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement is missing |  |  |  | Reviewer Comment (2025-08-28): Received Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-08-26): Final CD for [Redacted]<br>Reviewer Comment (2025-08-25): Received final Closing statement, however the document does not indicate the PITIA amounts.<br>Buyer Comment (2025-08-21): FSS [Redacted]<br>Reviewer Comment (2025-08-19): Please provide Final Closing Statement for the new [redacted] loan of the property [Redacted]. Exception Remains.<br>Buyer Comment (2025-08-15): VOM and Account History Ledger was provided. Please confirm you can see this. It's[Redacted]sends.<br>Reviewer Comment (2025-08-14): Mortgage statement is not provided. Tax and insurance document received. Exception Remains.<br>Buyer Comment (2025-08-12): REO Docs [Redacted] | 08/28/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150708 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement is missing |  |  |  | Reviewer Comment (2025-08-28): Received Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-08-26): Final CD for [Redacted]<br>Reviewer Comment (2025-08-25): Received final Closing statement, however the document does not indicate the PITIA amounts.<br>Buyer Comment (2025-08-21): FSS [Redacted]<br>Reviewer Comment (2025-08-19): Please provide Final Closing Statement for the new [redacted] loan of the property [Redacted]. Exception remains.<br>Buyer Comment (2025-08-15): Included in Blanket for [Redacted] homes docs uploaded<br>Reviewer Comment (2025-08-14): Mortgage statement is not provided. Tax and insurance document received. Exception Remains.<br>Buyer Comment (2025-08-12): [Redacted] | 08/28/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150713 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement is missing |  |  |  | Reviewer Comment (2025-08-28): Received Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-08-26): Final CD for [Redacted]<br>Reviewer Comment (2025-08-25): Received final Closing statement, however the document does not indicate the PITIA amounts.<br>Buyer Comment (2025-08-21): FSS [Redacted]<br>Reviewer Comment (2025-08-19): Please provide Final Closing Statement for the new [redacted] loan of the property [Redacted]. Exception remains.<br>Buyer Comment (2025-08-15): VOM and Account History Ledger was provided. Please confirm you can see this. It's[Redacted] sends.<br>Reviewer Comment (2025-08-14): Mortgage statement is not provided. Tax and insurance document received. Exception Remains.<br>Buyer Comment (2025-08-12): [Redacted] | 08/28/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150714 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement is missing |  |  |  | Reviewer Comment (2025-08-28): Received Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-08-26): Final CD for [Redacted]<br>Reviewer Comment (2025-08-25): Received final Closing statement, however the document does not indicate the PITIA amounts.<br>Buyer Comment (2025-08-21): FSS [Redacted]<br>Reviewer Comment (2025-08-19): Please provide Final Closing Statement for the new [redacted] loan of the property [Redacted]. Exception remains.<br>Buyer Comment (2025-08-15): Included in Blanket for [Redacted] homes docs uploaded<br>Reviewer Comment (2025-08-14): Mortgage statement is not provided. Tax and insurance document received. Exception Remains.<br>Buyer Comment (2025-08-12): [Redacted] | 08/28/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878016 | [Redacted] | [Redacted] |  | 34150716 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement is missing |  |  |  | Reviewer Comment (2025-08-28): Received Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-08-26): Final CD for [Redacted]<br>Reviewer Comment (2025-08-25): Received final Closing statement, however the document does not indicate the PITIA amounts.<br>Buyer Comment (2025-08-21): FSS [Redacted]<br>Reviewer Comment (2025-08-19): Please provide Final Closing Statement for the new [redacted] loan of the property [Redacted]. Exception remains.<br>Buyer Comment (2025-08-15): Included in Blanket for [Redacted] homes docs uploaded<br>Reviewer Comment (2025-08-14): Mortgage statement is not provided. Tax and insurance document received. Exception Remains.<br>Buyer Comment (2025-08-12): [Redacted] | 08/28/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878017 | [Redacted] | [Redacted] |  | 34149665 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Amount of $[redacted] is less than the note amount of $[redacted] . |  |  |  | Reviewer Comment (2025-08-21): Updated Title Document provide din loan file. Exception cleared.<br>Buyer Comment (2025-08-19): title commitment | 08/21/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223878017 | [Redacted] | [Redacted] |  | 34149722 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation | Evidence of Closing Disclosure provided to Borrowers at least [redacted] business days prior to closing is missing in file. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received lender attestation that a data entry error relating to ARM features in lender LOS caused incorrectly disclosed APR, documentation in file confirms there was no change in terms or apr fees that would cause actual APR change. no change in APR<br>Buyer Comment (2025-08-22): Please see explanation attached<br>Reviewer Comment (2025-08-18): [Redacted] CD, Doc ID [Redacted], APR [Redacted]% then increased on[Redacted] CD , Doc ID [Redacted], at [Redacted]% which is .[Redacted]% and exceeds .[Redacted]%. Received date of [Redacted] was not [Redacted] business days prior to the [Redacted] consummation date.<br>Buyer Comment (2025-08-15): There was only a .[Redacted] increase which does not require a [Redacted] day re-disclosure. Please cancel invalid condition | 08/26/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A B | Non QM | Non QM | No |
| 223878046 | [Redacted] | [Redacted] |  | 34171301 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Unable to verify PITIA for [redacted] . Mortgage statement is missing. |  |  |  | Reviewer Comment (2025-08-20): Received Final Closing Disclosure for the property [Redacted]. Exception cleared.<br>Buyer Comment (2025-08-18): final CD for potter<br>Reviewer Comment (2025-08-14): Final 1003 suggest new [redacted] loan on this property, Please provide final Closing Disclosure, exception remains.<br>Buyer Comment (2025-08-12): VOR submitted | 08/20/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878046 | [Redacted] | [Redacted] |  | 34171316 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Unable to verify PITIA for [redacted] . Mortgage statement is missing. |  |  |  | Reviewer Comment (2025-08-29): Received mortgage statement for property [Redacted][Redacted]. Exception Cleared.<br>Reviewer Comment (2025-08-29): EXCEPTION HISTORY - Exception Detail was updated on[Redacted] PRIOR Exception Detail: Address: [Redacted], Address: [Redacted], Address: [Redacted], Address: [Redacted], Address: [Redacted], Address: [Redacted], Address: [Redacted]<br>Buyer Comment (2025-08-27): XXXX reo docs and heloc statement<br>Reviewer Comment (2025-08-22): Required Final Closing Disclosure for the new [redacted] loan of the property [Redacted]. Exception remains.<br>Buyer Comment (2025-08-20): XXXX<br>Buyer Comment (2025-08-20): CDs<br>Reviewer Comment (2025-08-20): Received Final Closing Disclosure for the property [Redacted]. Required Final Closing Disclosure for the new [redacted] loan of the properties [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted] & [Redacted]. Tax & Insurance verification for [Redacted] is also missing. Exception remains.<br>Buyer Comment (2025-08-18): final cd for XXXX submitted<br>Reviewer Comment (2025-08-14): Final 1003 suggest new [redacted] loan on [Redacted], Please provide final Closing Disclosure, exception remains.<br>Buyer Comment (2025-08-12): These were delivered in the original file, but the parts got separated. | 08/29/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878046 | [Redacted] | [Redacted] |  | 34171320 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Unable to verify PITIA for [redacted] . Mortgage statement is missing. |  |  |  | Reviewer Comment (2025-08-20): Received Final Closing Disclosure for the property [Redacted]. Exception cleared.<br>Buyer Comment (2025-08-18): final cd for potter submitted<br>Reviewer Comment (2025-08-14): Final 1003 suggest new [redacted] loan on [Redacted], Please provide final Closing Disclosure, exception remains.<br>Buyer Comment (2025-08-12): VOM submitted | 08/20/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223878048 | [Redacted] | [Redacted] |  | 34148756 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Survey Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received corrected PCCD and LOE with corrected fee name.<br>Buyer Comment (2025-08-22): PCCD & Title Attestation | 08/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878048 | [Redacted] | [Redacted] |  | 34161386 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-14): Please clear as lender credit on final CD section [Redacted] covers | 08/15/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878048 | [Redacted] | [Redacted] |  | 34277186 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223878049 | [Redacted] | [Redacted] |  | 34149347 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-22): Cure docs to follow<br>Reviewer Comment (2025-08-13): [Redacted] received Changed Circumstance dated[Redacted],stating "Increased Appraisal fee - Per AMC rush fee added" which is insufficient reason. Kindly provide additional information as to what caused to be rush in order to increase appraisal fee or provide cure .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-12): cd and coc<br>Buyer Comment (2025-08-12): Please see COC attached |  | 08/25/2025 |  | 2 C B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223878055 | [Redacted] | [Redacted] |  | 34148977 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Bank Statements "[redacted] " for the month [redacted] and [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-02): Bank Statement received and verified. Exception cleared.<br>Buyer Comment (2025-08-28): correct statements<br>Reviewer Comment (2025-08-27): Received [Redacted]and [Redacted][Redacted]bank statements, however they are a personal account with a different account number than what was used. In addition, the figures on these [Redacted] statements do not match up with the lenders worksheet. Please clarify or provide the missing statements for the business account.<br>Buyer Comment (2025-08-25): [Redacted]and [Redacted]<br>Reviewer Comment (2025-08-19): Bank statements for the months of [Redacted][Redacted]and [Redacted][Redacted]are required as per [Redacted] months bank statements income calculation worksheet . Exception remains.<br>Buyer Comment (2025-08-15): Please see attached the 1003 & 1008 with removing the account in question | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878055 | [Redacted] | [Redacted] |  | 34149008 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business Bank Statements "[redacted] " for the month [redacted] and [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-02): Bank Statement received and verified. Exception cleared.<br>Reviewer Comment (2025-08-27): Received [Redacted]and [Redacted][Redacted]bank statements, however they are a personal account with a different account number than what was used. In addition, the figures on these [Redacted] statements do not match up with the lenders worksheet. Please clarify or provide the missing statements for the business account.<br>Buyer Comment (2025-08-25): see uploaded<br>Reviewer Comment (2025-08-19): Bank statements for the months of [Redacted][Redacted]and [Redacted] [Redacted] are required as per [Redacted] months bank statements income calculation worksheet . Exception remains.<br>Buyer Comment (2025-08-15): Please see attached the 1003 & 1008 with removing the account in question | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878055 | [Redacted] | [Redacted] |  | 34149051 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Not Considered | HUD/CD reflects Temporary Buydown Amount in the amount of $[redacted] . Temporary Buydown Agreement not in file. Unable to determine if temporary buydown amount collected is sufficient per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required if amount collected does not match terms of buydown agreement. | Only page [redacted] of temporary buy down agreement is in file. |  |  |  | Reviewer Comment (2025-08-21): Temporary Buydown agreement received and verified. exception cleared.<br>Buyer Comment (2025-08-19): You already have page [Redacted]. The condition was to provide page [Redacted] that was missing<br>Reviewer Comment (2025-08-19): Page [Redacted] of [Redacted] for Temporary Buydown Agreement is not provided. Exception remains.<br>Buyer Comment (2025-08-15): pg [Redacted] | 08/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878055 | [Redacted] | [Redacted] |  | 34149052 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Temporary Buydown Agreement Missing | Temporary Buydown Agreement Missing from File. Unable to source buydown terms from alternate documents in file. | Only page [redacted] of temporary buy down agreement is in file. |  |  |  | Reviewer Comment (2025-08-21): Temporary Buydown agreement received and verified. exception cleared.<br>Buyer Comment (2025-08-19): You already have page [Redacted]. The condition was to provide page [Redacted] that was missing<br>Reviewer Comment (2025-08-19): Page [Redacted] of [Redacted] for Temporary Buydown Agreement is not provided. Exception remains.<br>Buyer Comment (2025-08-15): see uploaded pg [Redacted] | 08/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878055 | [Redacted] | [Redacted] |  | 34149053 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is missing Business Bank Statements "[redacted] " for the month [redacted] and [redacted] , resulting in ATR risk. |  |  |  | Reviewer Comment (2025-09-02): Bank Statement received and verified. Exception cleared.<br>Reviewer Comment (2025-08-27): Received [Redacted]and [Redacted][Redacted]bank statements, however they are a personal account with a different account number than what was used. In addition, the figures on these [Redacted] statements do not match up with the lenders worksheet. Please clarify or provide the missing statements for the business account.<br>Buyer Comment (2025-08-25): see uploaded<br>Reviewer Comment (2025-08-19): Bank statements for the months of [Redacted] [Redacted] and [Redacted] [Redacted]are required as per [Redacted] months bank statements income calculation worksheet . Exception remains.<br>Buyer Comment (2025-08-15): Please see attached the 1003 & 1008 with removing the account in question | 09/02/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223878055 | [Redacted] | [Redacted] |  | 34149054 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is missing Business Bank Statements "[redacted] " for the month [redacted] and [redacted] , resulting in ATR risk. |  |  |  | Reviewer Comment (2025-09-02): Bank Statement received and verified. Exception cleared.<br>Reviewer Comment (2025-08-27): Received [Redacted]and [Redacted][Redacted]bank statements, however they are a personal account with a different account number than what was used. In addition, the figures on these [Redacted] statements do not match up with the lenders worksheet. Please clarify or provide the missing statements for the business account.<br>Buyer Comment (2025-08-25): see uploaded<br>Reviewer Comment (2025-08-19): Bank statements for the months of [Redacted][Redacted]and [Redacted][Redacted]are required as per [Redacted] months bank statements income calculation worksheet . Exception remains.<br>Buyer Comment (2025-08-15): Please see attached the [Redacted]& [Redacted]with removing the account in question | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878055 | [Redacted] | [Redacted] |  | 34149056 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan is missing Business Bank Statements "[redacted] " for the month [redacted] and [redacted] , causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-02): Bank Statement received and verified. Exception cleared.<br>Reviewer Comment (2025-08-27): Received [Redacted]and [Redacted][Redacted]bank statements, however they are a personal account with a different account number than what was used. In addition, the figures on these [Redacted] statements do not match up with the lenders worksheet. Please clarify or provide the missing statements for the business account.<br>Buyer Comment (2025-08-25): see uploaded<br>Reviewer Comment (2025-08-19): Bank statements for the months of [Redacted][Redacted]and [Redacted][Redacted]are required as per [Redacted] months bank statements income calculation worksheet . Exception remains.<br>Buyer Comment (2025-08-15): Please see attached the [Redacted]& [Redacted]with removing the account in question | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878055 | [Redacted] | [Redacted] |  | 34149057 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | A Survey Fee was added to the CD dated [redacted] , with no valid change provided. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received corrected PCCD and LOE moving non-lender required fee from section [Redacted] to [Redacted].<br>Buyer Comment (2025-09-05): PCCD & LOX<br>Reviewer Comment (2025-08-29): [Redacted] received email confirmation indicates survey was required. However, on post CD dated [Redacted] the borrower paid survey fee moved to section [Redacted] and paid by the seller. Provided Final settlement statement also shows that the fee was paid by borrower. Provide corrected CD with LOX to complete remediation.<br>Buyer Comment (2025-08-27): email<br>Reviewer Comment (2025-08-26): [Redacted] received Post CD and LOX.However , the provided CD is reflecting survey fee moved to section [Redacted] but paid by seller. However, the alta statement present in the file is reflecting survey was paid by borrower.<br>Buyer Comment (2025-08-25): PCCD & LOX<br>Reviewer Comment (2025-08-18): [Redacted] Survey fee added on Final CD dated[Redacted] for $[Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-15): Please disregard comment above, Correct note follows: The initial CD has survey fee of [Redacted]. We will word on the difference<br>Buyer Comment (2025-08-15): see uploaded pg [Redacted] | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878055 | [Redacted] | [Redacted] |  | 34149062 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan is missing Business Bank Statements "[redacted] " for the month [redacted] and [redacted] , causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-02): Bank Statement received and verified. Exception cleared.<br>Reviewer Comment (2025-08-27): Received [Redacted]and [Redacted][Redacted]bank statements, however they are a personal account with a different account number than what was used. In addition, the figures on these [Redacted] statements do not match up with the lenders worksheet. Please clarify or provide the missing statements for the business account.<br>Buyer Comment (2025-08-25): see uploaded<br>Reviewer Comment (2025-08-19): Bank statements for the months of [Redacted][Redacted]and [Redacted][Redacted]are required as per [Redacted] months bank statements income calculation worksheet . Exception remains.<br>Buyer Comment (2025-08-15): Please see attached the [Redacted]& [Redacted]with removing the account in question | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878055 | [Redacted] | [Redacted] |  | 34160174 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Buydown Agreement not provided |  | Only page [redacted] of temporary buy down agreement is in file. |  |  |  | Reviewer Comment (2025-08-21): Temporary Buydown agreement received and verified. exception cleared.<br>Buyer Comment (2025-08-19): You already have page [Redacted]. The condition was to provide page [Redacted] that was missing<br>Reviewer Comment (2025-08-19): Page [Redacted] of [Redacted] for Temporary Buydown Agreement is not provided. Exception remains.<br>Buyer Comment (2025-08-15): see uploaded pg [Redacted] | 08/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878065 | [Redacted] | [Redacted] |  | 34149039 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-19): COC | 08/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878065 | [Redacted] | [Redacted] |  | 34149046 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-08-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-11): Lender credit was given on Final CD please clear | 08/12/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878065 | [Redacted] | [Redacted] |  | 34247317 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223878117 | [Redacted] | [Redacted] |  | 34148985 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] percent tolerance was exceeded by $[redacted] due to Appraisal Fee. No valid COC provided. |  |  |  | Reviewer Comment (2025-08-22): [Redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-21): Cure docs attached<br>Reviewer Comment (2025-08-13): [Redacted] received COC dated [Redacted] for increase in fee but the reason provided on COC is not sufficient. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e)([Redacted])([Redacted])-([Redacted]) that resulted in an increase in closing costs.<br>Buyer Comment (2025-08-11): LE & COC for added appraisal fees |  | 08/22/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223878310 | [Redacted] | [Redacted] |  | 34152548 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Closing Attorney's Affidavit is noted on the Security Instrument is not found in the file. |  |  |  | Reviewer Comment (2025-08-15): Documents received and verified. Exception cleared.<br>Buyer Comment (2025-08-14): Recorded Deed | 08/15/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878310 | [Redacted] | [Redacted] |  | 34152572 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing |  |  |  | Reviewer Comment (2025-08-12): [Redacted]received initial CD.<br>Buyer Comment (2025-08-11): Initial CD and Final CD | 08/12/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 223878310 | [Redacted] | [Redacted] |  | 34152573 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] Received Valid COC along with CD.<br>Buyer Comment (2025-08-22): LE and CD<br>Reviewer Comment (2025-08-22): [Redacted]received changed circumstance dated [Redacted], but a corresponding LE/CD was not provided. Please provide LE/CD for further analysis.<br>Buyer Comment (2025-08-21): COC | 08/25/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878310 | [Redacted] | [Redacted] |  | 34152574 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-22): [Redacted] Received Valid COC dated [Redacted]. | 08/22/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878310 | [Redacted] | [Redacted] |  | 34163559 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided |  | Rider is missing from file and is noted on the Security Instrument as a part of the document. |  |  |  | Reviewer Comment (2025-08-15): Documents received and verified. Exception cleared. | 08/15/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878310 | [Redacted] | [Redacted] |  | 34163748 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-08-20): Appraisal delivery confirmation was provided, exception cleared.<br>Buyer Comment (2025-08-19): appraisal delivery | 08/20/2025 |  |  | 1 B A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223878316 | [Redacted] | [Redacted] |  | 34149395 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Survey Fee. No valid COC provided. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-08-25): Lender Cert, PCCD<br>Reviewer Comment (2025-08-14): [Redacted]: On LE fee name described as "Title - Survey fee", whereas on CD disclosed as "Survey fee" without Title prefix and the fee was payable to Walker Land Surveying. Since, Title - Survey fee and Survey fee is evidenced by the identical fee amount $[Redacted]for both fees. Provide LOE for attestation comment indicating fee name changed on CD or provide a valid COC for Survey fee added on CD or else Cure documents required.<br>Buyer Comment (2025-08-12): Survey Fee disclosed on LE[Redacted], please cancel | 08/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223878317 | [Redacted] | [Redacted] |  | 34163255 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Other not provided |  | The simple interest addendum to the Note is missing from the file. |  |  |  | Reviewer Comment (2025-08-19): The simple interest addendum received & associated. Exception cleared.<br>Buyer Comment (2025-08-15): Addendum to Note | 08/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223881307 | [Redacted] | [Redacted] |  | 34154023 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Clear OFAC search. Exception cleared.<br>Buyer Comment (2025-08-15): Please see final XXXX uploaded today | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223881307 | [Redacted] | [Redacted] |  | 34154057 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Fraud report in lieu of background check. Exception cleared.<br>Buyer Comment (2025-08-15): Please see final XXXX uploaded today | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223881307 | [Redacted] | [Redacted] |  | 34154059 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Fraud report. Exception cleared.<br>Buyer Comment (2025-08-15): XXXX | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223881307 | [Redacted] | [Redacted] |  | 34154062 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received executed closing statement. Exception cleared.<br>Buyer Comment (2025-08-15): Final signed HUD | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223881307 | [Redacted] | [Redacted] |  | 34154072 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Clear OFAC search. Exception cleared.<br>Buyer Comment (2025-08-15): Please see final XXXX uploaded today | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223881310 | [Redacted] | [Redacted] |  | 34156986 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[redacted] on the Closing Disclosure dated [redacted] A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-05): PCCD<br>Reviewer Comment (2025-09-03): [Redacted] received COC dated [Redacted], but it doesn't provide sufficient information on why the fee was increased and also fee increased from $[Redacted]to $[Redacted]. Please provide valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-29): COC<br>Reviewer Comment (2025-08-22): [Redacted]received COC dated [Redacted] for increase in fee but the reason is not provided as to why the transfer taxes were increased. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e)([Redacted])([Redacted])-([Redacted]) that resulted in an increase in closing costs.<br>Buyer Comment (2025-08-21): COC |  | 09/09/2025 |  | 2 C B |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223881311 | [Redacted] | [Redacted] |  | 34155972 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided within [Redacted]Days of Closing |  | 08/06/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 223881311 | [Redacted] | [Redacted] |  | 34155976 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted] . The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments that does not match actual total payments of the loan. |  |  |  | Reviewer Comment (2025-09-05): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-09-05): Cure and RTC<br>Reviewer Comment (2025-08-22): [Redacted] received rebuttal regarding finance charges, however the issue relates to the TOP calculation which is not related to APR fees. The issue is that the Appraisal fee increased on the PCCD dated [Redacted]. Cure is reflected on this PCCD, but this is a Material Disclosure violation also, outside of the Fee Tolerance violation, which requires additional information to cure properly. As this is Post Close cure we should be provided [Redacted]) a copy of the LOE to borrower which accompanied the [Redacted] PCCD explaining the TOP violation, [Redacted]) Copy of cure refund of $[Redacted] (or copy of Final Settlement Statement reflecting the cure to borrower) (No principal reductions are allowed on material disclosure violations) [Redacted]) Proof of mailing of cure refund if it was not cured at disbursement on the Final Settlemebnt Statement and [Redacted]) Proof of reopening of Rescission to all consumers.<br>Buyer Comment (2025-08-21): Investor Memo |  | 09/05/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223881311 | [Redacted] | [Redacted] |  | 34155994 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The exception request for not having the cancelled checks for rents received is approved:<br>[redacted] % LTV Max<br> [redacted] DTI Max | Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]Bank Statement<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-08): Client elects to waive with compensating factors. |  |  | 08/08/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223881435 | [Redacted] | [Redacted] |  | 34154580 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-08-18): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-15): Received fraud report with limited check Performed. Provide full Fraud report. Exception remains.<br>Buyer Comment (2025-08-14): Fraud Report | 08/18/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223881435 | [Redacted] | [Redacted] |  | 34154582 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | HOA questionnaire is missing in file. |  |  |  | Reviewer Comment (2025-08-26): Received HOA Questionnaire. Exception Cleared.<br>Buyer Comment (2025-08-22): Questionnaire<br>Reviewer Comment (2025-08-18): Reviewed all original and trailing docs, however the questionnaire was not among the docs.<br>Buyer Comment (2025-08-14): Questionnaire | 08/26/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223881435 | [Redacted] | [Redacted] |  | 34154615 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for non-warrantable condo due to investor concentrations is approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-08): Client elects to waive with compensating factors. |  |  | 08/08/2025 | 2 B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223881437 | [Redacted] | [Redacted] |  | 34158055 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] finding due to [redacted] account statements [redacted] and [redacted] for [redacted] Bank missing consecutive bank statements. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881437 | [Redacted] | [Redacted] |  | 34158058 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted] acccount Statements [redacted] missing the months of [redacted] and [redacted] for the year of [redacted] . |  |  |  | Reviewer Comment (2025-08-13): Bank statement for account #[Redacted]are already provided in file. Exception cleared.<br>Buyer Comment (2025-08-12): [Redacted] account | 08/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881437 | [Redacted] | [Redacted] |  | 34158059 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted] acccount Statements [redacted] missing the months of [redacted] and [redacted] for the year of [redacted] . |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-20): Clarification regarding the condition below. Bank account in question was opened in [Redacted] [Redacted]so there will be no statement for [Redacted]and [Redacted]. Please refer to People [Redacted] as it will have [Redacted]and [Redacted]statements to complete [Redacted]-month income calculation.<br>Reviewer Comment (2025-08-13): Received bank statement for account #[Redacted]are already provided in file. Bank Statement for the months of [Redacted]and [Redacted][Redacted]are required. Exception remains.<br>Buyer Comment (2025-08-12): [Redacted]account | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881437 | [Redacted] | [Redacted] |  | 34158202 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] finding due to [redacted] account statements [redacted] and [redacted] for [redacted] , Bank missing consecutive bank statements, resulting in Ability to Repay. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881437 | [Redacted] | [Redacted] |  | 34158204 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [redacted] finding due to [redacted] account statements [redacted] and [redacted] for [redacted] , Bank missing consecutive bank statements. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881437 | [Redacted] | [Redacted] |  | 34158215 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to [redacted] account statements [redacted] and [redacted] for [redacted] , Bank missing consecutive bank statements, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared. | 08/22/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223881437 | [Redacted] | [Redacted] |  | 34158216 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] finding due to [redacted] account statements [redacted] and [redacted] for [redacted] , Bank missing consecutive bank statements, resulting in Ability to Repay. |  |  |  | Reviewer Comment (2025-08-22): Received required documentation. Condition cleared. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881441 | [Redacted] | [Redacted] |  | 34157160 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan is missing verification of employment for borrower's primary income, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-20): VOE received, exception cleared.<br>Buyer Comment (2025-08-18): Closing VOE | 08/20/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223881441 | [Redacted] | [Redacted] |  | 34157161 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | The loan is missing verification of employment for borrower's primary income, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-20): VOE received, exception cleared.<br>Buyer Comment (2025-08-18): Please see verification of employment uploaded today. | 08/20/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223881455 | [Redacted] | [Redacted] |  | 34157010 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] . | Amount financed disclosed is $[redacted] . Calculated amount financed is $[redacted] . There is a variance of $[redacted] . |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received LOE and PCCD correcting HOA dues to proper section [Redacted]<br>Buyer Comment (2025-08-27): LOX, PCCD | 08/28/2025 |  |  | 1 C A |  | UT | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223881455 | [Redacted] | [Redacted] |  | 34157012 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Finance charge disclosed is $[redacted] . Calculated finance charge is $[redacted] . There is a variance of $[redacted] . |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received LOE and PCCD correcting HOA dues to proper section [Redacted]<br>Buyer Comment (2025-08-27): LOX, PCCD uploaded<br>Reviewer Comment (2025-08-25): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) | 08/28/2025 |  |  | 1 C A |  | UT | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 223881455 | [Redacted] | [Redacted] |  | 34157018 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-07): Sufficient Cure Provided At Closing |  | 08/07/2025 |  | 1 A |  | UT | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223881462 | [Redacted] | [Redacted] |  | 34183594 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing property tax and insurance verification for [redacted] property. |  |  |  | Reviewer Comment (2025-08-14): Property tax and insurance verification document received, exception cleared.<br>Buyer Comment (2025-08-12): REO docs | 08/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223881464 | [Redacted] | [Redacted] |  | 34156936 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/07/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223881464 | [Redacted] | [Redacted] |  | 34156938 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | HOA for $[redacted] omitted from non escrowed property cost over year [redacted] . |  |  |  | Reviewer Comment (2025-08-21): [Redacted] Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-08-20): PCCD |  | 08/21/2025 |  | 2 C B |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223881464 | [Redacted] | [Redacted] |  | 34209644 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for [redacted] FICO caps LTV at [redacted] %. Exception requested for [redacted] %. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-14): Client elects to waive with compensating factors. |  |  | 08/14/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881492 | [Redacted] | [Redacted] |  | 34155784 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Verification of rental history missing for borrower. |  |  |  | Reviewer Comment (2025-08-20): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-18): allowances in guides for borrower's who don't have a [Redacted] month history<br>Reviewer Comment (2025-08-13): As per the Final [Redacted], borrower is living on rent for [Redacted]years and [Redacted] months with rent amount "$[Redacted]". Documentation to verify last [Redacted] months payment history is required. Exception remains.<br>Buyer Comment (2025-08-12): invalid condition. The borrower is not a first time homebuyer since he is married and has been living with his spouse who is on title. LTV is less than [Redacted]. | 08/20/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881499 | [Redacted] | [Redacted] |  | 34156943 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance violation no valid COC provided, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-29): [Redacted] received PCCD and LOE<br>Buyer Comment (2025-08-28): FSS<br>Reviewer Comment (2025-08-27): [Redacted]received corrected PCCD and LOE but required true and certified copy of final SS to finalize the fees.<br>Buyer Comment (2025-08-26): PCCD<br>Reviewer Comment (2025-08-21): [Redacted] received rebuttal comment as per which the [Redacted]% fee only consist recording fee however, Title - Endorsement Fee and Title - Lender's Title Insurance fees are also under [Redacted]% tolerance. These fees are increased on revised LE from $[Redacted] to $[Redacted] and $[Redacted] to $[Redacted] respectively without providing any valid COC or cure. Please provide a valid COC or cure would be required.<br>Buyer Comment (2025-08-20): Please see LE dated [Redacted] to recalculate [Redacted]%. The fees did not increase, but stayed same and recording decreased |  | 08/29/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223881499 | [Redacted] | [Redacted] |  | 34172245 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Assets listed on final 1003 have been verified and equal [redacted] months reserves after closing costs. Lender Exception approval requires [redacted] months reserves. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-08): Client elects to waive with compensating factors. |  |  | 08/08/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881499 | [Redacted] | [Redacted] |  | 34173810 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets listed on final 1003 have been verified and equal [redacted] months reserves after closing costs. Lender Exception approval requires [redacted] months reserves. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-08): Client elects to waive with compensating factors. |  |  | 08/08/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881521 | [Redacted] | [Redacted] |  | 34158016 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-15): business cert | 08/19/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 223881659 | [Redacted] | [Redacted] |  | 34159205 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require tax and insurance for REO property - [redacted] |  |  |  | Reviewer Comment (2025-08-19): Insurance Verification, Tax Verification received & associated. Exception cleared.<br>Buyer Comment (2025-08-15): REO Docs<br>Reviewer Comment (2025-08-14): Provided escrow documents not for the property [Redacted]. Please provide the tax and Insurance documents for the property [Redacted], [Redacted]. Exception remains.<br>Buyer Comment (2025-08-12): Taxes are included in escrow(reserve payment). Please see highlighted areas on document attached. Shows where the first part of taxes were disbursed this year and the two disbursements for last year. | 08/19/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223881943 | [Redacted] | [Redacted] |  | 34162147 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock date not provided. |  |  |  | Reviewer Comment (2025-08-19): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-19): lock form | 08/19/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 223881943 | [Redacted] | [Redacted] |  | 34178459 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Documentation to verify a [redacted] - month housing history is not located in the file. |  |  |  | Reviewer Comment (2025-08-19): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-15): PC Cert | 08/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 223881944 | [Redacted] | [Redacted] |  | 34179529 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing borrower's recent [redacted] month rental history |  |  |  | Reviewer Comment (2025-08-18): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-14): On primary residence transactions when the LTV/CLTV is equal to or less than [Redacted]% LTV/CLTV, a Verification of Rent / Housing History is not required. | 08/18/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 223881952 | [Redacted] | [Redacted] |  | 34171498 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2025-08-21): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-19): This is an investment property please clear. | 08/21/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 223881978 | [Redacted] | [Redacted] |  | 34162103 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Require recent [redacted] months bank statements. |  |  |  | Reviewer Comment (2025-08-15): Provided letter of explanation stating that bank statement is a new account opened in [Redacted]. Exception cleared.<br>Buyer Comment (2025-08-13): PC Cert | 08/15/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 223881978 | [Redacted] | [Redacted] |  | 34162122 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing in file. |  |  |  | Reviewer Comment (2025-09-08): Received VISA. Exception Cleared.<br>Buyer Comment (2025-09-05): [Redacted]<br>Reviewer Comment (2025-09-02): Provided visa is valid from [Redacted] which if after the closing date. Provide complete VISA with all the pages which was in effect at the time of closing. Exception remains.<br>Buyer Comment (2025-08-29): [Redacted]<br>Reviewer Comment (2025-08-15): Provided visa is missing page [Redacted]. Exception remains<br>Buyer Comment (2025-08-13): Visa | 09/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 223881978 | [Redacted] | [Redacted] |  | 34162133 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request, our borrower want to purchase an investment property utilizing ICF to qualify at a $[redacted] Loan amount. Section [redacted] requires an exception when the loan amount is below $[redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-08): Client elected to waive exceptions with compensating factors. |  |  | 08/08/2025 | 2 B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164674 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. |  | Missing Savings account statement supporting the deposit of $[redacted] . |  |  |  | Reviewer Comment (2025-08-19): documents received.<br>Buyer Comment (2025-08-15): VOD | 08/19/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164675 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing Savings account statement supporting the deposit of $[redacted] . |  |  |  | Reviewer Comment (2025-08-19): documents received.<br>Buyer Comment (2025-08-15): See Upload | 08/19/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164683 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. |  |  |  | Reviewer Comment (2025-08-25): Appraisal delivery confirmation document received, exception cleared.<br>Buyer Comment (2025-08-21): Proof appraisal sent to borrower<br>Reviewer Comment (2025-08-19): CDA report shows there was a preliminary appraisal report dated [Redacted]. Please provide evidence of delivery for the report dated [Redacted].<br>Buyer Comment (2025-08-15): See upload | 08/25/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164685 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal receipt missing on file |  |  |  | Reviewer Comment (2025-08-25): Appraisal delivery confirmation document received, exception cleared.<br>Buyer Comment (2025-08-21): Proof appraisal sent to borrower<br>Reviewer Comment (2025-08-19): CDA report shows there was a preliminary appraisal report dated [Redacted]. Please provide evidence of delivery for the report dated [Redacted].<br>Buyer Comment (2025-08-15): Proof Appraisal sent to borrower | 08/25/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164686 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing document for savings account # [redacted] with initial deposit / balance of $[redacted] , causing ATR risk. |  |  |  | Reviewer Comment (2025-08-19): documents received.<br>Buyer Comment (2025-08-15): See Upload | 08/19/2025 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223881979 | [Redacted] | [Redacted] |  | 34164687 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay ([redacted]): Investor's calculated residual income amount (-[redacted]) and calculated Non QM residual amount (-[redacted]) are both lower than the amount required per the guidelines ([redacted]). | Missing Savings account statement supporting the deposit of $[redacted] . |  |  |  | Reviewer Comment (2025-08-19): documents received.<br>Buyer Comment (2025-08-15): See Upload | 08/19/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164688 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan is missing document for savings account # [redacted] with initial deposit / balance of $[redacted] , causing ATR risk. |  |  |  | Reviewer Comment (2025-08-19): documents received.<br>Buyer Comment (2025-08-15): See Upload | 08/19/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164709 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for - Unacceptable Property type (Unique Property - No truly Similar comparables). Unable to downgrade/waive due to insufficient compensating factors provided. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-21): CE |  |  | 08/25/2025 | 2 C B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223881979 | [Redacted] | [Redacted] |  | 34164753 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is missing document for savings account # [redacted] with initial deposit / balance of $[redacted] , causing ATR risk. |  |  |  | Reviewer Comment (2025-08-19): documents received.<br>Buyer Comment (2025-08-15): See Upload | 08/19/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223882152 | [Redacted] | [Redacted] |  | 34160753 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement for [redacted] Lien on REO property at [redacted] . is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-15): See document on pg [Redacted] [Redacted]. HELOC just closed on [Redacted] so no statement would be available. Borrower did draw from it at opening see pg [Redacted] [Redacted] | 08/19/2025 |  |  | 1 C A |  | NV | Investment | Purchase | C A | N/A | N/A | No |
| 223882156 | [Redacted] | [Redacted] |  | 34158950 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2025-09-04): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-02): Cure docs<br>Reviewer Comment (2025-08-19): [Redacted] received COC dated [Redacted] however the reason mentioned is not a valid. Kindly provide a valid reason as to why the Appraisal fee increased on LE dated [Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-15): COC |  | 09/04/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223882156 | [Redacted] | [Redacted] |  | 34158951 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-15): COC | 08/19/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223882156 | [Redacted] | [Redacted] |  | 34159127 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception for Non-Warrantable Condo Due to Litigation. | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The representative FICO score is above [redacted]. | Combined Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-15): Credit Exception in file on [Redacted] and [Redacted]. Please waive/clear |  |  | 08/19/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223882250 | [Redacted] | [Redacted] |  | 34159326 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The homeowner's insurance declarations page in the file verified an effective date of [redacted] which is after the consummation date of [redacted] |  |  |  | Reviewer Comment (2025-08-21): Updated Hazard Insurance document received and verified. Exception cleared.<br>Buyer Comment (2025-08-20): FSS - Disbursement Date [Redacted]<br>Buyer Comment (2025-08-20): COI | 08/21/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A | N/A | N/A | No |
| 223883615 | [Redacted] | [Redacted] |  | 34162237 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal fee changed on final CD from $[redacted] to $[redacted] . No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-08-19): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-15): Please cancel, cure is present on final CD under section J. | 08/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223883615 | [Redacted] | [Redacted] |  | 34237390 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223883674 | [Redacted] | [Redacted] |  | 34161547 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing on file |  |  |  | Reviewer Comment (2025-08-20): E-sign Consent Agreement received and verified. Exception cleared.<br>Buyer Comment (2025-08-18): econsent | 08/20/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223883674 | [Redacted] | [Redacted] |  | 34161642 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception counteroffered for - Requesting for LTV up to [redacted] % borrower is FTHB living rent free.<br> Conditions: [redacted] % LTV Max, [redacted] % DTI Max, Subject to meeting all other signature expanded guideline requirements. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-11): Client elects to waive with compensating factors. |  |  | 08/11/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223883674 | [Redacted] | [Redacted] |  | 34161726 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-02): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-02): PCCD<br>Reviewer Comment (2025-08-28): [Redacted] received total cure of $[Redacted] however we would require additional cure of $[Redacted] along with cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing,<br>Buyer Comment (2025-08-27): PCCD |  | 09/02/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223883674 | [Redacted] | [Redacted] |  | 34161727 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-27): pccd and cure submitted |  | 08/28/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223883674 | [Redacted] | [Redacted] |  | 34161728 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-27): pccd and cure submitted |  | 08/28/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223883700 | [Redacted] | [Redacted] |  | 34177051 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-08-15): Final 1003 document received and verified. Exception cleared.<br>Buyer Comment (2025-08-14): URLA | 08/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887683 | [Redacted] | [Redacted] |  | 34178937 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets for closing of $[redacted] is less than cash required from borrower of $[redacted] . Business assets allowed to be used are limited to percentage of ownership. A joint access letter is not located in the file to confirm the use of the full amount of the asset. |  |  |  | Reviewer Comment (2025-09-05): Received access letter. Condition cleared.<br>Buyer Comment (2025-09-03): Please see attached joint access letter. | 09/05/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887683 | [Redacted] | [Redacted] |  | 34178957 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | File is missing verification of [redacted] months reserves. Business assets allowed to be used are limited to percentage of ownership. Business assets allowed to be used are limited to percentage of ownership. A joint access letter is not located in the file to confirm the use of the full amount of the asset. |  |  |  | Reviewer Comment (2025-09-05): Received access letter. Condition cleared. | 09/05/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887683 | [Redacted] | [Redacted] |  | 34178973 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing verification of additional funds to close and verification of reserves. |  |  |  | Reviewer Comment (2025-09-05): Received access letter. Condition cleared. | 09/05/2025 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223887683 | [Redacted] | [Redacted] |  | 34178974 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to short funds to close and reserves. |  |  |  | Reviewer Comment (2025-09-05): Received access letter. Condition cleared. | 09/05/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887904 | [Redacted] | [Redacted] |  | 34160556 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The subject transaction is "Purchase of Investment Home" but as per declaration section "[redacted] - Will you occupy the property as you Primary Residence?" is check as "Yes" for borrower. Primary borrower is an [redacted] . |  |  |  | Reviewer Comment (2025-08-19): Final1003 application and Business purpose Certificate received and verified. Exception cleared<br>Buyer Comment (2025-08-18): 1003 & BPC | 08/19/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223887904 | [Redacted] | [Redacted] |  | 34179015 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request [redacted] on mortgage history is approved. \*\*\*Unable to waive. Comp factors provided are not sufficient to downgrade the exception.\*\*\* | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more. | Actual Reserves: $[redacted]<br> Required Reserves: $[redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-15): Comp factors listed on exception approval were LTV [Redacted] % or more under required, FICO [Redacted] points or more above required. In addition, reserves are [Redacted]+ months more than required, minimal consumer debt, residual income [Redacted]K or more, additional [Redacted] months reserves |  |  | 08/19/2025 | 2 C B |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223887904 | [Redacted] | [Redacted] |  | 34179027 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to use business assets on asset qualifier program is approved. \*\*\*Unable to waive. Comp factors provided are not sufficient to downgrade the exception.\*\*\* | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more. | Actual Reserves: $[redacted]<br> Required Reserves: $[redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-15): Comp factors listed on exception approval were LTV [Redacted]% or more under required, FICO [Redacted] points or more above required. In addition, reserves are [Redacted]+ months more than required, minimal consumer debt, residual income [Redacted]K or more, additional [Redacted] months reserves |  |  | 08/19/2025 | 2 C B |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223887905 | [Redacted] | [Redacted] |  | 34166397 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-15): Please see lender credit on final CD under section [Redacted] | 08/19/2025 |  |  | 1 C A |  | MT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223887905 | [Redacted] | [Redacted] |  | 34277582 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | MT | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223887923 | [Redacted] | [Redacted] |  | 34166316 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Certificate is missing for Land only property - [redacted] |  |  |  | Reviewer Comment (2025-08-19): Tax Certificate received and details updated. Exception cleared.<br>Buyer Comment (2025-08-18): tax cert | 08/19/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887923 | [Redacted] | [Redacted] |  | 34166317 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Certificate is missing for Land only property -[redacted] |  |  |  | Reviewer Comment (2025-08-19): Tax Certificate received and details updated. Exception cleared.<br>Buyer Comment (2025-08-18): tax cert | 08/19/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887923 | [Redacted] | [Redacted] |  | 34166341 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Revised Appraisal report dated [redacted] is missing evidence of receipt. |  |  |  | Reviewer Comment (2025-08-15): Received appraisal delivery report, Exception Cleared. | 08/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887923 | [Redacted] | [Redacted] |  | 34166342 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Revised Appraisal report dated [redacted] is missing evidence of receipt. |  |  |  | Reviewer Comment (2025-08-15): Received appraisal delivery report, Exception Cleared.<br>Buyer Comment (2025-08-14): appraisal delivery | 08/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887923 | [Redacted] | [Redacted] |  | 34166373 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Complete Fraud Report, Judgments & Liens Report are missing. |  |  |  | Reviewer Comment (2025-08-15): Received fraud report, Exception cleared.<br>Buyer Comment (2025-08-14): Fraud report | 08/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887925 | [Redacted] | [Redacted] |  | 34167363 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA/EA/licensed tax letter or bylaws confirming ownership percentage of the borrower's access to funds in the XXXX #[redacted] business account is not located in the file. |  |  |  | Reviewer Comment (2025-08-26): Received articles of incorporation. Exception Cleared.<br>Buyer Comment (2025-08-25): Please see the operating agreement and business license addressing the business account.<br>Reviewer Comment (2025-08-21): Non borrowing business entity funds used for closing and reserves. Evidence of Access to Funds will be required for [Redacted] #[Redacted] . Exception remains.<br>Buyer Comment (2025-08-19): no cpa letter required on DCSR | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223887928 | [Redacted] | [Redacted] |  | 34168161 |  |  | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Property Insurance Exceeds Replacement Value) | [redacted] Home Loan: Property insurance exceeds the replacement value of the property. |  |  |  |  | Reviewer Comment (2025-08-19): lender did not require to provide property insurance on improvements to the home in an amount that exceeds the reasonable replacement value of the improvements. Exception cleared.<br>Buyer Comment (2025-08-15): Can you please clarify? value is $[Redacted] and dwelling coverage is [Redacted] | 08/19/2025 |  |  | 1 B A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887928 | [Redacted] | [Redacted] |  | 34183924 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds max [redacted] %, unable to determine exclusion for any liabilities included in DTI. |  |  |  | Reviewer Comment (2025-08-28): Received update 1008. Condition cleared. | 08/28/2025 |  |  | 1 B A C |  | NV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223887928 | [Redacted] | [Redacted] |  | 34183925 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] moderately exceeds the guideline maximum of [redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds max [redacted] %, unable to determine exclusion for any liabilities included in DTI. |  |  |  | Reviewer Comment (2025-08-28): Received update 1008. Condition cleared.<br>Buyer Comment (2025-08-26): Updated documentation | 08/28/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887928 | [Redacted] | [Redacted] |  | 34183926 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds max [redacted] %, unable to determine exclusion for any liabilities included in DTI. |  |  |  | Reviewer Comment (2025-08-28): Received update 1008. Condition cleared. | 08/28/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887928 | [Redacted] | [Redacted] |  | 34183933 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds max [redacted] %, unable to determine exclusion for any liabilities included in DTI. |  |  |  | Reviewer Comment (2025-08-28): Received update 1008. Condition cleared.<br>Reviewer Comment (2025-08-19): The reason for discrepancy in DTI is due to departing residence TIA of $[Redacted] was not included in DTI as per 1008. No documents found to exclude this from DTI.<br>Buyer Comment (2025-08-15): Please cancel this and all related conditions as credit supplement to exclude discover was in [Redacted] and delivered with orig credit package.<br>Buyer Comment (2025-08-15): Discover card is excluded | 08/28/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887931 | [Redacted] | [Redacted] |  | 34181765 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated Available for Reserves of [redacted] is less than Guideline Available for Reserves of [redacted] months |  |  |  | Reviewer Comment (2025-08-20): Cash Flow Analysis Received, exception cleared.<br>Buyer Comment (2025-08-19): cash flow in place of cpa letter | 08/20/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887931 | [Redacted] | [Redacted] |  | 34181777 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter is provided doesn't confirm withdrawals from account won't have negative impact please associate the CPA letter. |  |  |  | Reviewer Comment (2025-08-20): Cash Flow Analysis Received, exception cleared.<br>Buyer Comment (2025-08-19): Cash flow submitted in place of cpa letter | 08/20/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887931 | [Redacted] | [Redacted] |  | 34181793 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $[redacted] are insufficient to meet cash to close of $[redacted] .. |  |  |  | Reviewer Comment (2025-08-20): Cash Flow Analysis Received, exception cleared.<br>Buyer Comment (2025-08-19): Cash flow submitted in place of CPA letter so business funds can be used | 08/20/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887931 | [Redacted] | [Redacted] |  | 34181825 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to missing CPA letter to verify access to business funds and impact of withdrawal |  |  |  | Reviewer Comment (2025-08-20): Cash Flow Analysis Received, exception cleared.<br>Buyer Comment (2025-08-19): Cash flow submitted in place of CPA letter so business funds can be used | 08/20/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223887931 | [Redacted] | [Redacted] |  | 34181826 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to missing CPA letter to verify access to business funds and impact of withdrawal |  |  |  | Reviewer Comment (2025-08-20): Cash Flow Analysis Received, exception cleared.<br>Buyer Comment (2025-08-19): Cash flow submitted in place of CPA letter so business funds can be used | 08/20/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887931 | [Redacted] | [Redacted] |  | 34181849 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | CPA letter is provided doesn't confirm withdrawals from account won't have negative impact please associate the CPA letter. |  |  |  | Reviewer Comment (2025-08-20): Cash Flow Analysis Received, exception cleared.<br>Buyer Comment (2025-08-19): Cash flow submitted in place of CPA letter so business funds can be used | 08/20/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887931 | [Redacted] | [Redacted] |  | 34181869 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-08-20): Cash Flow Analysis Received, exception cleared.<br>Buyer Comment (2025-08-19): Cash flow submitted in place of CPA letter so business funds can be used | 08/20/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223887939 | [Redacted] | [Redacted] |  | 34167155 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Transfer Tax Fee. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-22): transfer taxes cured at close. | 08/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223887939 | [Redacted] | [Redacted] |  | 34167158 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to Loan Discount Points. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-22): COC conditions attached | 08/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223887939 | [Redacted] | [Redacted] |  | 34188455 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [redacted] was revealed when the payment history from the servicer was provided. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The representative FICO score is above [redacted]. | Borrower has owned the subject property for [redacted]years. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-12): Client elects to waive with compensating factors. |  |  | 08/12/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223887939 | [Redacted] | [Redacted] |  | 34188863 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for [redacted] months short reserve. Exception request is for [redacted] months. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The representative FICO score is above [redacted]. | Borrower has owned the subject property for [redacted]years. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-12): Client elects to waive with compensating factors. |  |  | 08/12/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223887939 | [Redacted] | [Redacted] |  | 34276615 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223887941 | [Redacted] | [Redacted] |  | 34166665 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provided Fraud Report shows Drive Score as [redacted] |  |  |  | Reviewer Comment (2025-08-14): Received Fraud Report. Exception cleared.<br>Buyer Comment (2025-08-13): Fraud | 08/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223887941 | [Redacted] | [Redacted] |  | 34166977 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-08-20): Received Title Final. Exception Cleared.<br>Buyer Comment (2025-08-18): Title Policy | 08/20/2025 |  |  | 1 B A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223887941 | [Redacted] | [Redacted] |  | 34166978 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy |  |  |  | Reviewer Comment (2025-08-20): Received Title Final. Exception Cleared. | 08/20/2025 |  |  | 1 A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223887941 | [Redacted] | [Redacted] |  | 34166982 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing executed HUD/CD. Closing Statement provided reflects that it is an estimated statement. |  |  |  | Reviewer Comment (2025-08-20): Received Closing statement. Exception Cleared.<br>Buyer Comment (2025-08-19): FSS<br>Reviewer Comment (2025-08-14): Received closing statement is estimated. Require executed final HUD/CD. Exception Remains.<br>Buyer Comment (2025-08-13): HUD | 08/20/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223888345 | [Redacted] | [Redacted] |  | 34167188 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-25): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-21): Business Purpose Cert | 08/25/2025 |  |  | 1 C A |  | MT | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223888345 | [Redacted] | [Redacted] |  | 34167192 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rate Lock is missing in the file. |  |  |  | Reviewer Comment (2025-08-19): Received Rate Lock in the file. Exception Cleared.<br>Buyer Comment (2025-08-15): lock form | 08/19/2025 |  |  | 1 C A D |  | MT | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223888346 | [Redacted] | [Redacted] |  | 34168275 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide HOA verification and Insurance Verification for the property[redacted] |  |  |  | Reviewer Comment (2025-08-19): HOA Verification, Insurance Verification received. Exception cleared.<br>Buyer Comment (2025-08-15): HOA & HOI | 08/19/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223888348 | [Redacted] | [Redacted] |  | 34166619 |  |  | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | The active minimum tradelines requirement not met. As per provided guidelines, one trade line must have been active within the last [redacted] months. |  |  |  | Reviewer Comment (2025-08-18): Post close credit supplement provided.<br>Buyer Comment (2025-08-14): PC Cert | 08/18/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| 223888348 | [Redacted] | [Redacted] |  | 34166627 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Non-QM Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-21): business purpose cert | 08/22/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| 223888511 | [Redacted] | [Redacted] |  | 34167980 |  |  | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least [redacted] months of Operating History is not present in the loan file. |  |  |  |  |  | Reviewer Comment (2025-08-22): [Redacted] and rent schedule was provided.<br>Buyer Comment (2025-08-21): STR schedule from appraiser is being used and operating income statement in file Please review<br>Reviewer Comment (2025-08-21): Per section [Redacted] : Qualification/Purchase, property should be vacant as of closing in order to use [Redacted] % of the market rents as determined by the appraiser. Per appraisal report, property is not vacant. Provide [Redacted] months operating history ([Redacted] etc.) for short term rental. Exception remains.<br>Buyer Comment (2025-08-19): PC Cert - operating income<br>Reviewer Comment (2025-08-19): This is in reference to subject property located at [Redacted] XXXX. Evidence of at least [Redacted] months of Operating History is not present in the loan file for short term rental. Exception remains.<br>Buyer Comment (2025-08-15): Please, advise what property this is in reference to. Borrower owns one more property aside from subject and it is his primary residence. | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223888511 | [Redacted] | [Redacted] |  | 34168006 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  |  |  |  |  | Reviewer Comment (2025-08-19): Letter of explanation received that account ending with #[Redacted] is a new account opened on [Redacted]. Exception cleared.<br>Buyer Comment (2025-08-15): PC Cert | 08/19/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223888520 | [Redacted] | [Redacted] |  | 34182863 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The Articles of Organization is not located in the file. |  |  |  | Reviewer Comment (2025-08-14): Received Articles of Organization in the file. Exception Cleared.<br>Buyer Comment (2025-08-13): P [Redacted] is the articles | 08/14/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223888520 | [Redacted] | [Redacted] |  | 34182912 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The lease agreement is not located in the file. |  |  |  | Reviewer Comment (2025-08-15): The transaction is purchase. Lease agreement is not required. Exception Cleared.<br>Buyer Comment (2025-08-13): market rent used since this is a purchase. Rent schedule on the appraisal | 08/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223888522 | [Redacted] | [Redacted] |  | 34166448 |  |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. |  | Provided flood insurance policy effective date of [redacted] which is after the note date. |  |  |  | Reviewer Comment (2025-08-18): updated flood insurance doc was provided<br>Buyer Comment (2025-08-18): Flood insurance | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223888522 | [Redacted] | [Redacted] |  | 34166467 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223888522 | [Redacted] | [Redacted] |  | 34180642 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for non-warrantable condo due to single entity ownership at [redacted] and insufficient flood coverage is approved. |  |  |  | Reviewer Comment (2025-08-18): lender exception approval provided<br>Buyer Comment (2025-08-14): Exception documents | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223888536 | [Redacted] | [Redacted] |  | 34167966 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing executed HUD/CD in file. |  |  |  | Reviewer Comment (2025-08-19): Received Closing statement. Exception Cleared.<br>Buyer Comment (2025-08-18): HUD | 08/19/2025 |  |  | 1 C A |  | NH | Investment | Purchase | C A |  | N/A | No |
| 223888536 | [Redacted] | [Redacted] |  | 34167974 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing the sales contract for the sold property [redacted] exchange agreement. |  |  |  | Reviewer Comment (2025-08-19): Sales contract for the sold property [Redacted] already in file. Exception Cleared.<br>Buyer Comment (2025-08-15): Please see sales contract addendum folders [Redacted] -[Redacted] | 08/19/2025 |  |  | 1 C A |  | NH | Investment | Purchase | C A |  | N/A | No |
| 223888671 | [Redacted] | [Redacted] |  | 34181790 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for Condotel Project that has mandatory rental obligations and restrictions for owner occupancy. Conditioned on Investment Property only. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-11): Client elected to waive exceptions with compensating factors. |  |  | 08/11/2025 | 2 B |  | NJ | Investment | Purchase | B A | N/A | N/A | No |
| 223888671 | [Redacted] | [Redacted] |  | 34181795 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for Condotel Project that not established as per FNMA which requires[redacted] of units sold and HOA controlled by owners. Conditioned on Investment Property only. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-11): Client elected to waive exceptions with compensating factors. |  |  | 08/11/2025 | 2 B |  | NJ | Investment | Purchase | B A | N/A | N/A | No |
| 223888671 | [Redacted] | [Redacted] |  | 34181812 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for XXXX unit size of [redacted] ft which does not meet lender guideline of minimum [redacted]. Conditioned on Investment Property only. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-11): Client elected to waive exceptions with compensating factors. |  |  | 08/11/2025 | 2 B |  | NJ | Investment | Purchase | B A | N/A | N/A | No |
| 223888804 | [Redacted] | [Redacted] |  | 34167075 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-25): CDA provided<br>Buyer Comment (2025-08-21): CDA | 08/25/2025 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| 223888805 | [Redacted] | [Redacted] |  | 34167632 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-20): HOA info was provided<br>Reviewer Comment (2025-08-20): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Insurance Verification<br>Buyer Comment (2025-08-18): Please see [Redacted] nd page of Alta showing HOA fees<br>Reviewer Comment (2025-08-15): Final 1003 reflects Monthly Taxes and insurance and HOA amount as $[Redacted] $[Redacted] is monthly tax amount and as per LOE property is free and clear hence no HO6 is required but still there is difference of $[Redacted] . Required HOA verification document for this property if any. Exception remains.<br>Buyer Comment (2025-08-14): [Redacted] | 08/20/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A | N/A | N/A | No |
| 223889120 | [Redacted] | [Redacted] |  | 34181702 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Verification disclosure was delivered to borrower [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-08-18): [Redacted] received initial LE dated [Redacted] .<br>Buyer Comment (2025-08-15): initial le | 08/18/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223889120 | [Redacted] | [Redacted] |  | 34181703 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided At Closing |  | 08/11/2025 |  | 1 A |  | CT | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223891691 | [Redacted] | [Redacted] |  | 34172757 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The insurance verification is missing for the XXXX Rd property. |  |  |  | Reviewer Comment (2025-08-19): Hazard Insurance received. Exception Cleared.<br>Buyer Comment (2025-08-15): HOI | 08/19/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223891691 | [Redacted] | [Redacted] |  | 34172770 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid Change of Circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-03): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-02): PCCD Cure |  | 09/03/2025 |  | 2 C B |  | NH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223891707 | [Redacted] | [Redacted] |  | 34173177 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of[redacted] or Final Disclosure APR of[redacted] is equal to or greater than the threshold of APOR[redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-08-19): Received proof/receipt which confirms copy of appraisal E-mail to borrower from [Redacted] business days prior to closing date. Exception Cleared.<br>Buyer Comment (2025-08-15): See uplds | 08/19/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223891707 | [Redacted] | [Redacted] |  | 34173178 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-08-19): Received proof/receipt which confirms copy of appraisal E-mail to borrower from [Redacted] business days prior to closing date. Exception Cleared.<br>Buyer Comment (2025-08-15): Proof appraisal sent to borrower | 08/19/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223891707 | [Redacted] | [Redacted] |  | 34173180 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate was electronically provided [redacted] the earliest signed and dated E-Sign Consent Agreement in the file was provided on [redacted] |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received e-consent dated [Redacted]<br>Buyer Comment (2025-08-15): Compliance Report | 08/19/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223891707 | [Redacted] | [Redacted] |  | 34173181 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of[redacted] exceeds tolerance of[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223891723 | [Redacted] | [Redacted] |  | 34171323 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received Articles of Organization/Formation. Exception Cleared.<br>Buyer Comment (2025-08-19): verification<br>Reviewer Comment (2025-08-19): Provided document does not reflect State id number. Exception Remains.<br>Buyer Comment (2025-08-15): org<br>Reviewer Comment (2025-08-14): Provided document does not reflect State id number. Exception Remains.<br>Buyer Comment (2025-08-12): org | 08/21/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C B A |  | N/A | No |
| 223891723 | [Redacted] | [Redacted] |  | 34171325 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2025-08-14): Received Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2025-08-12): [redacted] | 08/14/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C B A |  | N/A | No |
| 223891723 | [Redacted] | [Redacted] |  | 34171326 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in file. |  |  |  | Reviewer Comment (2025-08-14): Received Corporate Resolution. Exception cleared.<br>Buyer Comment (2025-08-12): res | 08/14/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C B A |  | N/A | No |
| 223891723 | [Redacted] | [Redacted] |  | 34171327 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) is missing in file. |  |  |  | Reviewer Comment (2025-08-14): Received Employer Identification Number. Exception Cleared.<br>Buyer Comment (2025-08-12): EIN | 08/14/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C B A |  | N/A | No |
| 223891723 | [Redacted] | [Redacted] |  | 34171329 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-14): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-08-12): op agreement | 08/14/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C B A |  | N/A | No |
| 223891723 | [Redacted] | [Redacted] |  | 34262198 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing lender exception. Borrower has a renter, signed contract to commence within [redacted]days. Requesting to waive the lesser of actual or mkt rents and allow actual rents of [redacted]. Borrower would provide proof of [redacted] receipt of rent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-27): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-25): FICO [Redacted] + points higher than required, additional [Redacted] months cash reserves ([Redacted] months), [Redacted] on housing, .[Redacted] years from credit event (no derog credit)<br>Reviewer Comment (2025-08-25): Received all required documentation, however the lender exception approval does not provide any compensating factor.<br>Buyer Comment (2025-08-21): lease and exception<br>Buyer Comment (2025-08-21): Refer to lender exception to allow lease vs, FMR - documents provided |  |  | 08/27/2025 | 2 B |  | VA | Investment | Purchase | C B A |  | N/A | No |
| 223891725 | [Redacted] | [Redacted] |  | 34176747 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Award Letter for the annuity income for [redacted] Financial and [redacted] Resolution is missing in file. |  |  |  | Reviewer Comment (2025-08-18): Cleared. Received documentation.<br>Buyer Comment (2025-08-14): Award Letter | 08/18/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| 223891725 | [Redacted] | [Redacted] |  | 34176791 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Verification of employment is not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-08-18): Cleared. Received additional VVOE dated within [Redacted] business days of the Note.<br>Buyer Comment (2025-08-15): Closing VVOE | 08/18/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| 223891729 | [Redacted] | [Redacted] |  | 34172625 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate with the unit details. Exception Cleared.<br>Buyer Comment (2025-08-19): Business cert<br>Reviewer Comment (2025-08-19): Received business Purpose Certificate does not reflect property Unit number. Exception Remains.<br>Buyer Comment (2025-08-18): Business cert | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223891729 | [Redacted] | [Redacted] |  | 34191242 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for non-warrantable condo due to condotel and mandatory memberships. \*\*\*Unable to waive. Exception Approval document requires minimum [redacted]year PPP however the prepayment addendum reflect a [redacted]month prepayment term. \*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-19): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-29): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-27): Compensating factors<br>Reviewer Comment (2025-08-26): Received updated exception approval for [Redacted] year PPP, however the lender compensating factors are insufficient. Please provide additional compensating factors.<br>Buyer Comment (2025-08-22): PPP requirement lowered from [Redacted] years to [Redacted] year on [Redacted]<br>Reviewer Comment (2025-08-18): Unable to waive. Exception Approval document requires minimum [Redacted] year PPP however the prepayment addendum reflect a [Redacted] month prepayment term.<br>Buyer Comment (2025-08-14): Business cert |  |  | 09/19/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223891729 | [Redacted] | [Redacted] |  | 34272090 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing hard pull credit report. |  |  |  | Reviewer Comment (2025-08-26): Received credit report. Exception Cleared.<br>Buyer Comment (2025-08-25): The data discrepancy on the FICO score was due to [redacted] using the "soft" pull credit report, which only had [Redacted] scores, but you do have a copy of the "hard" pull report in your file, located on page [Redacted] in the document set that has our [Redacted] score.<br>Buyer Comment (2025-08-25): Please see the attached credit report. Thank you.<br>Buyer Comment (2025-08-22): credit report | 08/26/2025 |  |  | 1 A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223891733 | [Redacted] | [Redacted] |  | 34171272 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to [redacted] on the CD dated [redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [redacted]is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-08-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 08/19/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223891733 | [Redacted] | [Redacted] |  | 34171273 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of[redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report Fee changed to [redacted] on the CD dated[redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ([redacted] is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-08-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-15): please cancel this invalid cond as there is a lender credit on final cd for credit report | 08/19/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223891733 | [Redacted] | [Redacted] |  | 34237818 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223891733 | [Redacted] | [Redacted] |  | 34237819 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223891801 | [Redacted] | [Redacted] |  | 34175574 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD/CD in file. |  |  |  | Reviewer Comment (2025-08-19): Received executed closing statement. Exception cleared.<br>Buyer Comment (2025-08-15): HUD | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223891827 | [Redacted] | [Redacted] |  | 34176935 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | Require confirmation as co-borrower marked YES for declaration- F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application question. |  |  |  | Reviewer Comment (2025-08-15): Received post dated and corrected 1003, Exception cleared.<br>Buyer Comment (2025-08-14): Please see the corrected URLA. The borrower initially chose yes on this question because she wasn't sure if a recent XXXX card would appear on the credit report, The credit card did appear, and the questions should have been updated to "No" | 08/15/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223891827 | [Redacted] | [Redacted] |  | 34176944 |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. |  | Refinance transaction and property status is vacant, require confirmation. |  |  |  | Reviewer Comment (2025-08-21): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-19): Borrowers are living on the property in a manufactured home with no value. They are living on the subject property just not technically in the home. Please advise if anything further is needed to clear this condition. | 08/21/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223891827 | [Redacted] | [Redacted] |  | 34177015 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of[redacted] is equal to or greater than the threshold of APOR[redacted] |  |  |  | Reviewer Comment (2025-08-14): Received Appraisal delivery receipt &updated .Exception cleared.<br>Buyer Comment (2025-08-13): proof appraisal sent to bwr uploaded | 08/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223891827 | [Redacted] | [Redacted] |  | 34177017 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-08-14): Received Appraisal delivery receipt &updated .Exception cleared.<br>Buyer Comment (2025-08-13): sent to bwr | 08/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223891978 | [Redacted] | [Redacted] |  | 34172889 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Closing Protection Letter is missing. |  |  |  | Reviewer Comment (2025-08-19): CPL not required in [Redacted] state. Exception Cleared.<br>Buyer Comment (2025-08-15): NO CPL IN [Redacted] | 08/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223891978 | [Redacted] | [Redacted] |  | 34172896 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-15): business purpose cert | 08/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223891978 | [Redacted] | [Redacted] |  | 34172898 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-08-19): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2025-08-18): certificate of status | 08/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223891978 | [Redacted] | [Redacted] |  | 34172899 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is missing. |  |  |  | Reviewer Comment (2025-08-19): CPL not required in [Redacted] state. Exception Cleared.<br>Buyer Comment (2025-08-18): no cpl in state of [Redacted] | 08/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223891978 | [Redacted] | [Redacted] |  | 34172901 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing. |  |  |  | Reviewer Comment (2025-08-19): Received Corporate Resolution in the file. Exception Cleared.<br>Buyer Comment (2025-08-15): Corporate resolution | 08/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223892321 | [Redacted] | [Redacted] |  | 34173546 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-08-19): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-19): Provided document was already a part of initial package. Require Certificate of Good Standing. Exception Remains.<br>Buyer Comment (2025-08-15): COGS | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223892321 | [Redacted] | [Redacted] |  | 34173547 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing. |  |  |  | Reviewer Comment (2025-08-19): Received Corporate Resolution. Exception Cleared.<br>Buyer Comment (2025-08-15): resolution | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223892477 | [Redacted] | [Redacted] |  | 34176532 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Proof of verification of Non-US Citizen not provided for both borrowers. |  |  |  | Reviewer Comment (2025-08-19): Received Permanent Resident card and ITIN(Individual Taxpayer Identification Number) form, information validated. Exception Cleared.<br>Buyer Comment (2025-08-15): ITIN and ID card | 08/19/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 223892477 | [Redacted] | [Redacted] |  | 34176547 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount not provided in preliminary title policy. |  |  |  | Reviewer Comment (2025-09-02): Supplemental report received & coverage amount updated. Exception cleared.<br>Buyer Comment (2025-08-28): title | 09/02/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 223900197 | [Redacted] | [Redacted] |  | 34178340 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. The [redacted] Checklist is missing. |  |  |  | Reviewer Comment (2025-08-20): Received [redacted] Checklist. Exception Cleared.<br>Buyer Comment (2025-08-19): The [Redacted] Checklist | 08/20/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223900197 | [Redacted] | [Redacted] |  | 34200694 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the most recent [redacted] month payment history for the subject property. |  |  |  | Reviewer Comment (2025-08-20): Received [Redacted] month payment history for the subject property. Exception Cleared.<br>Buyer Comment (2025-08-18): credit supplement | 08/20/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223900247 | [Redacted] | [Redacted] |  | 34176276 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing. |  |  |  | Reviewer Comment (2025-08-20): Individual taxpayer Identification document considered available in file. Exception cleared.<br>Buyer Comment (2025-08-18): See pg [Redacted] [Redacted] | 08/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223900247 | [Redacted] | [Redacted] |  | 34176340 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for tradeline requirement as borrower has only [redacted] tradeline. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-13): Client elected to waive exceptions with compensating factors. |  |  | 08/13/2025 | 2 B |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223900249 | [Redacted] | [Redacted] |  | 34178705 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-15): BPC | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223900260 | [Redacted] | [Redacted] |  | 34180664 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file |  |  |  | Reviewer Comment (2025-08-26): Esign consent provided.<br>Buyer Comment (2025-08-25): econsent full package<br>Reviewer Comment (2025-08-20): Required complete page pf E-sign agreement with E-sign consent date information. Provided document contains incomplete page [Redacted] of[Redacted] and [Redacted] pages reflecting in file remaining pages are not available. Exception remains.<br>Buyer Comment (2025-08-18): econsent | 08/26/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223900260 | [Redacted] | [Redacted] |  | 34181414 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Tax Service Fee (Life Of Loan) was last disclosed as $[redacted] on Loan Estimate but disclosed as [redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-29): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-28): PCCD |  | 08/29/2025 |  | 2 C B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223900313 | [Redacted] | [Redacted] |  | 34178875 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Fraud report for borrower. Exception cleared.<br>Buyer Comment (2025-08-15): XXXX | 08/19/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| 223900319 | [Redacted] | [Redacted] |  | 34181497 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by [redacted] Evidence of extended coverage or insurer's estimate of replacement cost is not provided. |  |  |  | Reviewer Comment (2025-08-25): updated binder information was provided.<br>Buyer Comment (2025-08-21): ,<br>Reviewer Comment (2025-08-21): Provided coverage snippet does not specify the address, please provide complete policy along with replacement cost estimator. Exception Remains.<br>Buyer Comment (2025-08-20): Binder confirms [Redacted] % replacement coverage | 08/25/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| 223900319 | [Redacted] | [Redacted] |  | 34202436 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | A cash flow analysis or CPA letter stating that the use of the funds for the transaction from[redacted] business accounts will not have a material adverse impact on the business operations is not located in the file. |  |  |  | Reviewer Comment (2025-08-21): CPA letter received confirming [Redacted] % ownership. Exception Cleared.<br>Buyer Comment (2025-08-20): CPA letter | 08/21/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| 223900364 | [Redacted] | [Redacted] |  | 34179643 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Require recent[redacted] months bank statements. |  |  |  | Reviewer Comment (2025-08-19): Received bank Statement. Exception Cleared.<br>Buyer Comment (2025-08-18): XXXX and XXXX | 08/19/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223900364 | [Redacted] | [Redacted] |  | 34179645 |  |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted]days prior to Closing. |  | Require recent [redacted] months bank statements. |  |  |  | Reviewer Comment (2025-08-19): Bank statement is not required. Exception Cleared.<br>Buyer Comment (2025-08-18): funds from account not used | 08/19/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223900364 | [Redacted] | [Redacted] |  | 34179764 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-08-25): Received Final title policy. Exception Cleared. | 08/25/2025 |  |  | 1 A |  | HI | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223900364 | [Redacted] | [Redacted] |  | 34179773 |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Require a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-08-25): Received Final title policy. Exception Cleared<br>Buyer Comment (2025-08-21): title coverage | 08/25/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223900364 | [Redacted] | [Redacted] |  | 34179789 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to complete a cash out refinance on land contract at max LTV per exception team. Borrower completed purchase contract [redacted] and have been making payments since. Borrower is not vested on title but states there is an agreement of sale for [redacted] Borrower is perfect on primary residence pay history (private mortgage). [redacted] credit score. [redacted] months reserves to be verified. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>The DSCR of [redacted] is greater than the minimum required DSCR of[redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-08-13): Client elects to waive with compensating factors. |  |  | 08/13/2025 | 2 B |  | HI | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223900364 | [Redacted] | [Redacted] |  | 34179801 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for non-warrantable condotel due to investor concentration and outstanding critical repairs. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>The DSCR of [redacted] is greater than the minimum required DSCR of[redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-08-13): Client elects to waive with compensating factors. |  |  | 08/13/2025 | 2 B |  | HI | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223900382 | [Redacted] | [Redacted] |  | 34181980 |  |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted] days prior to Closing. |  | Statement for [redacted]Deferred Compensation is dated[redacted] which is more than [redacted] Days prior to Note Date. |  |  |  | Reviewer Comment (2025-08-20): Provided bank statement for the period of [Redacted] -[Redacted] . Exception cleared.<br>Buyer Comment (2025-08-19): retirement | 08/20/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223900382 | [Redacted] | [Redacted] |  | 34182032 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-15): Business Purpose | 08/19/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223900382 | [Redacted] | [Redacted] |  | 34182033 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2025-08-15): HUD | 08/19/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223900403 | [Redacted] | [Redacted] |  | 34200504 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Verification disclosure was delivered to borrower [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received e-consent dated [Redacted]<br>Buyer Comment (2025-08-18): econsent | 08/19/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223900406 | [Redacted] | [Redacted] |  | 34185665 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-19): Business Purpose Cert | 08/20/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223900423 | [Redacted] | [Redacted] |  | 34180682 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-18): business cert | 08/19/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223900518 | [Redacted] | [Redacted] |  | 34182356 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing. Appraisal reflects property is owner occupied. |  |  |  | Reviewer Comment (2025-09-09): Received appraisal reflects property is vacant. Exception Cleared.<br>Buyer Comment (2025-09-05): Please see corrected appraisal, rent comp was used in lieu of lease agreements, acceptable per guidelines.<br>Reviewer Comment (2025-08-22): Provided appraisal reflects property is tenant occupied. Require lease agreement. Exception remains.<br>Buyer Comment (2025-08-21): appraisal | 09/09/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223900518 | [Redacted] | [Redacted] |  | 34182358 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization is missing. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): Please see business purpose cert uploaded today | 08/20/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223900518 | [Redacted] | [Redacted] |  | 34182360 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): Business Purpose Cert | 08/20/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223900518 | [Redacted] | [Redacted] |  | 34182420 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to requesting exception because coborrower of application [redacted] does not meet tradeline requirement. LTV is only [redacted]. Borrowers have owned their home for more than [redacted] yr, and they have minimal consumer debt. Only one recent mortgage (Closed with XXXX this month), a student loan account and two credit cards. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-13): Client elects to waive with compensating factors. |  |  | 08/13/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223900859 | [Redacted] | [Redacted] |  | 34176774 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]0. Insufficient or no cure was provided to the borrower. | Loan Discount Points in the amount of [redacted]was not disclosed on initial or final LE's. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-05): [Redacted] received COC dated [Redacted] .<br>Buyer Comment (2025-09-04): COC<br>Reviewer Comment (2025-08-28): [Redacted] : The rate has been locked at[Redacted] % on [Redacted] with[Redacted] % discount point rates. However, on initial CD dated [Redacted] the discount point rate increased from[Redacted] % to [Redacted] % and the discount point fee added in the amount of $[Redacted] without VCCs. File does not contain sufficient information as to what changed circumstance occurred (as defined under [Redacted] that resulted in the relock of the loan and change in pricing/closing costs while the loan is still within the lock period.<br>Buyer Comment (2025-08-27): There are no points added on the [Redacted] CD. There is a line item for points, but there is no amount, therefore nothing charged to the borrower at that time.<br>Reviewer Comment (2025-08-22): [Redacted] received COC dated [Redacted] for rate lock however, the rate was locked on [Redacted] at the of initial LE itself with the mentioned [Redacted] Yr terms and [Redacted] % rate as per file there is no change in terms and rate from LE dated [Redacted] to CD dated [Redacted] however, points are being added. Please provide a valid COC or cure would be required.<br>Buyer Comment (2025-08-21): COC | 09/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223900859 | [Redacted] | [Redacted] |  | 34188348 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to use commission with less than[redacted] years consecutive history at same company with documentationin file supporting income from previous employers is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Documentation Type: [redacted] Full Doc<br> Disposable Income: $[redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-12): Client elects to waive with compensating factors. |  |  | 08/12/2025 | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223900863 | [Redacted] | [Redacted] |  | 34179660 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as[redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received LE And COC<br>Buyer Comment (2025-08-18): LE | 08/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223900863 | [Redacted] | [Redacted] |  | 34179699 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing on file |  |  |  | Reviewer Comment (2025-08-19): E-sign Consent Agreement received and details updated. Exception cleared.<br>Buyer Comment (2025-08-18): econsent | 08/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223900864 | [Redacted] | [Redacted] |  | 34181692 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy coverage is less than original loan amount. |  |  |  | Reviewer Comment (2025-08-19): Received Title policy with policy amount same as loan amount. Exception cleared.<br>Buyer Comment (2025-08-18): Title Policy | 08/19/2025 |  |  | 1 B A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223900864 | [Redacted] | [Redacted] |  | 34181697 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Asset documentation is not located in the file. |  |  |  | Reviewer Comment (2025-08-19): Received closing statement from refinance property showing net proceeds which covers cash from borrower requirement. Exception cleared.<br>Buyer Comment (2025-08-18): Final Settlement Statement for [Redacted] | 08/19/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223900864 | [Redacted] | [Redacted] |  | 34181698 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-19): Provided final title policy. Exception cleared. | 08/19/2025 |  |  | 1 A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223900864 | [Redacted] | [Redacted] |  | 34181700 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Asset documentation is not located in the file. |  |  |  | Reviewer Comment (2025-08-19): Received closing statement from refinance property showing net proceeds which covers reserve requirement. Exception cleared.<br>Buyer Comment (2025-08-18): FSS for [Redacted] uploaded | 08/19/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223900866 | [Redacted] | [Redacted] |  | 34184991 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-19): Received E-Sign Consent document. Exception cleared.<br>Buyer Comment (2025-08-15): Compliance Report | 08/19/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223900866 | [Redacted] | [Redacted] |  | 34185013 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-12): Sufficient Cure Provided At Closing |  | 08/12/2025 |  | 1 A |  | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223900867 | [Redacted] | [Redacted] |  | 34184988 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-20): Duplicate request E-Sign Consent Agreement received and verified. Exception cleared<br>Buyer Comment (2025-08-18): econsent | 08/20/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223900867 | [Redacted] | [Redacted] |  | 34185002 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [redacted] Overdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Yea[redacted] on Final Closing Disclosure provided on[redacted] are overdisclosed. | Amount of Estimated Property Costs over Year [redacted] on Final Closing Disclosure provided on [redacted]are overdisclosed. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-08-22): PCCD |  | 08/25/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223900867 | [Redacted] | [Redacted] |  | 34185007 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted][redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to [redacted] on the Closing Disclosure dated [redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received LOX for the credit report fee.<br>Buyer Comment (2025-08-22): LOX | 08/25/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223900867 | [Redacted] | [Redacted] |  | 34189118 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax and Hazard Insurance verification/documentation for property located at[redacted] |  |  |  | Reviewer Comment (2025-08-18): Received documentation.<br>Buyer Comment (2025-08-14): taxes and insurance | 08/18/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223900867 | [Redacted] | [Redacted] |  | 34247789 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign agreement provided for[redacted], Initial Loan Estimate signed and dated [redacted] |  |  |  | Reviewer Comment (2025-08-26): Esign consent provided<br>Buyer Comment (2025-08-22): The borrower accepted the econsent on [Redacted] before the initial LE. That's the non-borrowing owner you are looking at | 08/26/2025 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223900867 | [Redacted] | [Redacted] |  | 34275879 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223900874 | [Redacted] | [Redacted] |  | 34181726 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage amount is [redacted] but loan amount is [redacted] due to which there is a shortfall of [redacted] |  |  |  | Reviewer Comment (2025-08-20): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-08-18): on page [Redacted] the comment section states full replacement cost | 08/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223900874 | [Redacted] | [Redacted] |  | 34181728 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-18): BPL | 08/19/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223900878 | [Redacted] | [Redacted] |  | 34176583 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is renting the current primary residence. Our loan is on investment property. VOR/cancelled checks for current primary shows payment were not made on time. LOX from the borrower states they were held because the landlord would not do required repairs. She was not aware that the rents should have been paid to an escrow company until the repairs were made. The repairs have been made, and she paid her rent current. We have [redacted] months cancelled checks and the lease in the file. They were just not made in a timely matter. Only blemish on credit was she co-signed for a car for her son that got repossessed. We are paying off a hard money lender. Asset:[redacted] months for reserves.<br>Exception approved with compensating factors - <br> Loan to Value [redacted]% or More Under Requirement <br> Total Debt [redacted]% or More Under Requirement<br> Residual income $[redacted]K or More<br> Long Term Home Ownership (>[redacted] years)<br> Reduction in Housing/Mortgage Payment<br> Reserves [redacted]+ Months More than Requirement<br> Long Term Employment | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has worked in the same position for more than [redacted] years. | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-15): please confirm if this if informational only or you need something. |  |  | 08/19/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | D B A | N/A | N/A | No |
| 223900878 | [Redacted] | [Redacted] |  | 34177119 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | CCM initial rate lock not provided in file. |  |  |  | Reviewer Comment (2025-08-21): Rate Lock form received. Exception Cleared.<br>Buyer Comment (2025-08-19): correct lock form<br>Reviewer Comment (2025-08-19): Lock form provided does not have lock date. Exception Remains.<br>Buyer Comment (2025-08-15): lock form | 08/21/2025 |  |  | 1 C A D |  | FL | Investment | Refinance - Rate/Term | D B A | N/A | N/A | No |
| 223900878 | [Redacted] | [Redacted] |  | 34303597 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing documentation for excluded debts. |  |  |  | Reviewer Comment (2025-09-22): Lease agreement provided for rental income. Exception cleared.<br>Buyer Comment (2025-09-18): lease agreement<br>Reviewer Comment (2025-09-09): The lease agreement provided is not signed/dated by the parties.<br>Buyer Comment (2025-09-06): Please see revised attached 1003, 1008. We have now included the rental income that we can use but originally didn't think we needed as the debts were to be paid off but were not. DTI [Redacted]<br>Buyer Comment (2025-09-06): Revised 1003, 1008 | 09/22/2025 |  |  | 1 A |  | FL | Investment | Refinance - Rate/Term | D B A | N/A | N/A | No |
| 223900945 | [Redacted] | [Redacted] |  | 34179018 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Loan discount points disclosed as [redacted]on initial LE and then as [redacted]on initial and final CD's. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received LOE for LE issue date and as per COC dated [Redacted] .<br>Buyer Comment (2025-09-05): See disclosure log re: LE sent.<br>Buyer Comment (2025-09-05): Please see attached clarification re: date of LE.<br>Reviewer Comment (2025-09-05): [Redacted] recieved COC dated [Redacted] However, the fee increase on LE dated [Redacted] for $[Redacted] . Kindly provide a valid COC for the fee increased or provide cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-03): Please see attached COC. | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223900945 | [Redacted] | [Redacted] |  | 34179020 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception request for [redacted] fico score vs required minimum of [redacted] is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted] Full Doc<br> Disposable Income: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-20): Please see attached exception. |  |  | 08/22/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223900945 | [Redacted] | [Redacted] |  | 34179083 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception request for recent late payments reflecting on mortgage payment history is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted] Full Doc<br> Disposable Income: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-13): Client elected to waive exceptions with compensating factors. |  |  | 08/13/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223900945 | [Redacted] | [Redacted] |  | 34187998 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for [redacted] fico score vs required minimum of [redacted] is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted] Full Doc<br> Disposable Income: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-13): Client elected to waive exceptions with compensating factors. |  |  | 08/13/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223900947 | [Redacted] | [Redacted] |  | 34181437 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by[redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Letter of Explanation, Copy of check and evidence borrower received the check.<br>Buyer Comment (2025-09-11): Please see cleared check as proof bwr recvd the check.<br>Reviewer Comment (2025-09-11): [Redacted] received rebuttal comment, However, we also required proof of mailing label or provided confirmation on email from borrower that they received copy of check in order to cure this exception.<br>Buyer Comment (2025-09-09): This was an item Title cured, they mailed the check [redacted] without tracking. PCCD not required because they refunded a portion of their fee to the borrower.<br>Reviewer Comment (2025-08-29): [Redacted] received Copy of refund check and LOX. However,we would also require proof of mailing and Post CD in order to cure the exception.<br>Buyer Comment (2025-08-28): Title Cure<br>Reviewer Comment (2025-08-20): [Redacted] received COC dated [Redacted] however the reason mentioned is not valid. Kindly provide a valid reason as to why the recording fee were increased on CD dated [Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-19): COC |  | 09/12/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223900947 | [Redacted] | [Redacted] |  | 34181438 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee[redacted]was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-28): Please cancel, cure for fee was present on Final CD section [Redacted]<br>Reviewer Comment (2025-08-20): [Redacted]received COC dated [Redacted] however the reason mentioned is not a valid. Kindly provide a valid reason as to why the credit report fee were added on CD dated [Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-19): Please cancel this condition as the fee was cured on the final CD section [Redacted] | 08/29/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223900951 | [Redacted] | [Redacted] |  | 34181808 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for requesting to permit a [redacted] seller concession. Conditions[redacted]LTV MAX, Minimum[redacted] DSCR, Minimum [redacted]yr PPP, Subject to meeting all other Signature Expanded guideline requirements. \*\*\*Unable to waive. The comp factors provided are not sufficient to downgrade the exception. Different comp factors are required.\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-19): updated exception request |  |  | 08/21/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223900966 | [Redacted] | [Redacted] |  | 34185435 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing CPA Letter. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): cpa letter | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223900966 | [Redacted] | [Redacted] |  | 34185517 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing CPA Letter & VVOE. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): CPA letter submitted | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223900966 | [Redacted] | [Redacted] |  | 34185520 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-26): Received the verification from Equifax, the document is dated post close which does not meet ATR requirements. Due diligence is unable to clear.<br>Buyer Comment (2025-08-22): CPA letter submitted | 08/26/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223900966 | [Redacted] | [Redacted] |  | 34185521 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-26): Received the verification from Equifax, the document is dated post close which does not meet ATR requirements. Due diligence is unable to clear.<br>Buyer Comment (2025-08-22): CPA letter submitted | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223900966 | [Redacted] | [Redacted] |  | 34185680 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing CPA Letter. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): CPA letter submitted | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223900966 | [Redacted] | [Redacted] |  | 34185681 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Missing Verbal VOE. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): vvoe for [Redacted] | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223900985 | [Redacted] | [Redacted] |  | 34185235 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-15): Business Purpose Cert | 08/19/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 223900985 | [Redacted] | [Redacted] |  | 34185263 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for requesting to permit an[redacted]k loan amount. Conditions: Max LTV[redacted]%, subject to low amount LLPA per rate sheet and subject to meeting all other signature expanded guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-13): Client elects to waive with compensating factors. |  |  | 08/13/2025 | 2 B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 223901428 | [Redacted] | [Redacted] |  | 34182405 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy coverage is less than original loan amount. |  |  |  | Reviewer Comment (2025-08-22): Email from title confirms policy amount.<br>Reviewer Comment (2025-08-21): Provided email confirmation for updated loan amount on Title. Provide supplemental title report with corrected policy coverage of $[Redacted] Exception remains.<br>Buyer Comment (2025-08-19): title confirmation | 08/22/2025 |  |  | 1 B A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223901428 | [Redacted] | [Redacted] |  | 34182478 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-18): business cert | 08/19/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223901994 | [Redacted] | [Redacted] |  | 34182576 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-15): business purpose | 08/19/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 223901999 | [Redacted] | [Redacted] |  | 34185035 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | Borrower is Co-Signer for[redacted]Property, letter of explanation is provided in file. |  |  |  | Reviewer Comment (2025-08-29): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-27): payments made by their daughter<br>Buyer Comment (2025-08-27): This is the only debt referred to by those questions. Please advise if anything further is needed to clear | 08/29/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A | N/A | N/A | No |
| 223902090 | [Redacted] | [Redacted] |  | 34183523 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | 1007 Rent Comparison Schedule is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received 1007 Rent Comparison Schedule in the file. Exception Cleared.<br>Buyer Comment (2025-08-26): 1007 | 08/27/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223903458 | [Redacted] | [Redacted] |  | 34186588 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-18): BPL | 08/20/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223903460 | [Redacted] | [Redacted] |  | 34186243 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-19): Certification of Business Purpose | 08/20/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223903462 | [Redacted] | [Redacted] |  | 34185826 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-18): BP | 08/19/2025 |  |  | 1 C A |  | DE | Investment | Purchase | C A |  | N/A | No |
| 223903546 | [Redacted] | [Redacted] |  | 34185896 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-18): business cert | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223903546 | [Redacted] | [Redacted] |  | 34199852 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for [redacted]LTV on DSCR cash-out transaction. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Borrower has owned the subject property for [redacted] years. | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-14): Client elects to waive with compensating factors. |  |  | 08/14/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223903546 | [Redacted] | [Redacted] |  | 34209997 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for cash-out proceeds to be used as reserves at [redacted]LTV vs guideline max of [redacted] to use cash out proceeds as reserves. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Borrower has owned the subject property for [redacted] years. | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-14): Client elects to waive with compensating factors. |  |  | 08/14/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223903549 | [Redacted] | [Redacted] |  | 34185843 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-08-20): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-18): XXXX | 08/20/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223903549 | [Redacted] | [Redacted] |  | 34185848 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-18): Business cert | 08/20/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223903550 | [Redacted] | [Redacted] |  | 34188338 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification, Insurance Verification, Tax Verification is not provided. |  |  |  | Reviewer Comment (2025-08-20): Mortgage Statement and HOA Verification document are received and verified. Exception cleared.<br>Buyer Comment (2025-08-18): REO Docs | 08/20/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223903550 | [Redacted] | [Redacted] |  | 34188382 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-08-29): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-27): Closing VVOE - [Redacted]<br>Reviewer Comment (2025-08-20): This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. Exception remains.<br>Buyer Comment (2025-08-18): Closing VVOE | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223903551 | [Redacted] | [Redacted] |  | 34189273 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted] on Loan Estimate but disclosed as[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-29): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check<br>Buyer Comment (2025-08-28): PCCD |  | 08/29/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223903552 | [Redacted] | [Redacted] |  | 34185679 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2025-08-21): Received fraud report with OFAC. Exception Cleared.<br>Buyer Comment (2025-08-20): Please see fraud report uploaded today<br>Buyer Comment (2025-08-20): Fraud Report w OFAC | 08/21/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903552 | [Redacted] | [Redacted] |  | 34185691 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-20): Please see fraud report uploaded today | 08/21/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903686 | [Redacted] | [Redacted] |  | 34189636 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-21): Insurance Verification, Tax Verification received for reo properties. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-19): reo docs | 08/21/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 223903693 | [Redacted] | [Redacted] |  | 34186109 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD-1/ Closing Disclosure / Closing statement missing in loan file. |  |  |  | Reviewer Comment (2025-08-27): Received Closing statement. Exception cleared.<br>Buyer Comment (2025-08-26): ALTA<br>Reviewer Comment (2025-08-20): Provided closing statement is not signed. Provide signed & dated final closing statement. Exception remains.<br>Buyer Comment (2025-08-19): ALTA | 08/27/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 223903693 | [Redacted] | [Redacted] |  | 34186117 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate missing in loan file. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-25): cert of business purpose | 08/27/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 223903693 | [Redacted] | [Redacted] |  | 34200269 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for DSCR calculation: Requesting to use [redacted]mo current lease in lieu of [redacted] to calculate DSCR.\*\*Unable to waive exception. The appraiser's opinion of the market rent for the ADU as required by the exception approval is not located in the file.\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-17): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-16): appraisal. comment added on page [Redacted]<br>Reviewer Comment (2025-08-21): Please provide the appraiser addendum indicating opinion of market rent for the [redacted](must be =/> $[Redacted]mo, otherwise $[Redacted]figure can't be used to calculate the [redacted].)<br>Buyer Comment (2025-08-19): exception docs |  |  | 09/17/2025 | 2 C B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 223903718 | [Redacted] | [Redacted] |  | 34185837 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-26): BPL - Borrower Certification of Business Purpose | 08/28/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223903718 | [Redacted] | [Redacted] |  | 34199977 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Community state, spousal consent form not provided. |  |  |  | Reviewer Comment (2025-08-20): Spousal Consent not required for investment property. Exception Cleared.<br>Buyer Comment (2025-08-18): Please waive. Subject is investment property. Business purpose | 08/20/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223903718 | [Redacted] | [Redacted] |  | 34199989 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Community state, spousal consent form not provided. |  |  |  | Reviewer Comment (2025-08-20): Spousal Consent not required for investment property. Exception Cleared.<br>Buyer Comment (2025-08-18): Please waive. Subject is investment property. Business purpose | 08/20/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223903890 | [Redacted] | [Redacted] |  | 34189466 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received operating agreement for [Redacted]. Amendment is provided for name change from [Redacted] to [Redacted]. Exception cleared.<br>Buyer Comment (2025-08-18): op agreement | 08/19/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 223903891 | [Redacted] | [Redacted] |  | 34192446 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved due to Section 9.2: unacceptable Property Type (unique Property/ADU W/ No Similar Comparable). Exception request for eligibility of subject property. The subject is a legally zoned [redacted]ba SFR with an ADU (revision outstanding to have bath count corrected), located in suburban area, W[redacted]s, well water, and septic The subject's legal ADU (O bd/l ba) is located in the barn. The subject's design is unique in that the barn area built in a XXXX around the home. Additionally, the appraiser was unable to provide any similar comparable With an ADU. A supportive CDA is on file. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Disposable income > $[redacted]<br>FICO > [redacted] points above program minimum | Originator Pre-Close,Aggregator,SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2025-08-14): Exception approval provided, meets buyers waiver policy. |  |  | 08/14/2025 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223903891 | [Redacted] | [Redacted] |  | 34192461 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Most recent bank statement provided for asset depletion income account was dated more than [redacted] days prior to closing, causing an ATR failure, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-08-20): Non-QM, income documentation met lender guidelines.<br>Buyer Comment (2025-08-18): Please cancel this invalid cond - assets have a max of [Redacted] days prior to note date | 08/20/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223903898 | [Redacted] | [Redacted] |  | 34188840 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement not provided. |  |  |  | Reviewer Comment (2025-08-21): Received Lease agreement in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): Lease | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903898 | [Redacted] | [Redacted] |  | 34188901 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation not provided. |  |  |  | Reviewer Comment (2025-08-21): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): Articles of Organization | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903898 | [Redacted] | [Redacted] |  | 34188906 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution not provided. |  |  |  | Reviewer Comment (2025-08-28): Corp resolution was provided<br>Buyer Comment (2025-08-26): Please cancel, non material<br>Reviewer Comment (2025-08-21): In provided Corporate Resolution, loan amount is not matching with the note. Exception remains.<br>Buyer Comment (2025-08-19): Corporate Resolution | 08/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903898 | [Redacted] | [Redacted] |  | 34188907 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement not provided. |  |  |  | Reviewer Comment (2025-08-21): Received Operating Agreement in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): Operating Agreement | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903898 | [Redacted] | [Redacted] |  | 34188928 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC document not provided. |  |  |  | Reviewer Comment (2025-08-21): Received OFAC for the member in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): OFAC | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903899 | [Redacted] | [Redacted] |  | 34188501 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received fraud report with OFAC. Exception Cleared.<br>Buyer Comment (2025-08-19): Drive report | 08/20/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903899 | [Redacted] | [Redacted] |  | 34188520 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-19): Drive report submitted with background check | 08/20/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903899 | [Redacted] | [Redacted] |  | 34188521 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-19): BPL | 08/20/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903899 | [Redacted] | [Redacted] |  | 34188523 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-19): Drive report submitted | 08/20/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903899 | [Redacted] | [Redacted] |  | 34188527 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received fraud report with OFAC. Exception Cleared.<br>Buyer Comment (2025-08-19): Drive report submitted with ofac | 08/20/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903900 | [Redacted] | [Redacted] |  | 34186541 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-18): BPC | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903900 | [Redacted] | [Redacted] |  | 34186542 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-18): Fraud uploaded | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903900 | [Redacted] | [Redacted] |  | 34186543 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-19): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-18): Fraud | 08/19/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903900 | [Redacted] | [Redacted] |  | 34200182 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  | Not required; individual signed as a member. |  |  |  | Reviewer Comment (2025-08-20): Note required as [Redacted] has signed as a member.<br>Buyer Comment (2025-08-18): [Redacted] is a member only, not on the loan | 08/20/2025 |  |  | 1 B A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223903906 | [Redacted] | [Redacted] |  | 34192322 |  |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | File is missing a copy of the final title policy |  |  |  | Reviewer Comment (2025-08-28): Co-op stock cert was provided<br>Buyer Comment (2025-08-26): Stock Cert<br>Reviewer Comment (2025-08-22): Please provide the a [redacted] Stock Certificate.<br>Buyer Comment (2025-08-20): Property is a co-op, no Title required. | 08/28/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223903906 | [Redacted] | [Redacted] |  | 34192325 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-20): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223903906 | [Redacted] | [Redacted] |  | 34192328 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | Reviewer Comment (2025-08-21): Received Final HUD. Exception Cleared.<br>Buyer Comment (2025-08-20): HUD | 08/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223903906 | [Redacted] | [Redacted] |  | 34192378 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Re-approved with increase to loan amount & LTV- Conditions. Cooperative units [redacted]per the sheet. All other [redacted] guideline requirements to be met | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-14): Client elected to waive exceptions with compensating factors. |  |  | 08/14/2025 | 2 B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223903913 | [Redacted] | [Redacted] |  | 34189320 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate not provided. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-08-18): [redacted] | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903913 | [Redacted] | [Redacted] |  | 34189326 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Closing statement not provided. |  |  |  | Reviewer Comment (2025-08-19): Received Closing statement. Exception Cleared.<br>Buyer Comment (2025-08-18): ALTA | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223903921 | [Redacted] | [Redacted] |  | 34192019 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-20): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223903921 | [Redacted] | [Redacted] |  | 34192021 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received executed HUD. Exception cleared,<br>Buyer Comment (2025-08-20): HUD | 08/21/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223903921 | [Redacted] | [Redacted] |  | 34192023 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Form W-8BEN is missing in file. |  |  |  | Reviewer Comment (2025-09-16): Received signed Form [redacted] Exception cleared.<br>Buyer Comment (2025-09-15): [redacted]<br>Reviewer Comment (2025-08-26): Borrower is non- permanent resident alien. Required Form [redacted]. Exception Remains.<br>Buyer Comment (2025-08-22): please cancel condition as no income is present in file. | 09/16/2025 |  |  | 1 C A D |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223903924 | [Redacted] | [Redacted] |  | 34192543 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): BPL | 08/20/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223903924 | [Redacted] | [Redacted] |  | 34192547 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Final Closing Settlement Statement in the file. Exception Cleared.<br>Buyer Comment (2025-08-19): HUD | 08/20/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223903924 | [Redacted] | [Redacted] |  | 34192551 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Form W-8BEN is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received Form [redacted]. Exception Cleared.<br>Buyer Comment (2025-08-26): ben | 08/27/2025 |  |  | 1 C A D |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223903928 | [Redacted] | [Redacted] |  | 34192626 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification is missing for REO property located on [redacted] |  |  |  | Reviewer Comment (2025-08-19): HOA verification received and details updated. Exception cleared.<br>Buyer Comment (2025-08-18): HOA | 08/19/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223904145 | [Redacted] | [Redacted] |  | 34194106 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-21): Non-QM Business Purpose Certificate is provided. Exception cleared.<br>Buyer Comment (2025-08-20): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223904145 | [Redacted] | [Redacted] |  | 34194114 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Missing Cash-out utilization in file. |  |  |  | Reviewer Comment (2025-08-21): Non-QM Business Purpose Certificate is provided. Exception cleared.<br>Buyer Comment (2025-08-20): Please see business purpose cert uploaded today. | 08/21/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223904145 | [Redacted] | [Redacted] |  | 34194118 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing fraud Report in file. |  |  |  | Reviewer Comment (2025-08-21): Provided Fraud report. Exception cleared.<br>Buyer Comment (2025-08-20): Fraud report | 08/21/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223904149 | [Redacted] | [Redacted] |  | 34194063 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | File is missing consecutive month bank statement for [redacted] Bank / Account Number: [redacted] months statement is required. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] / Account Number: [Redacted]assets not used to qualify. Exception Cleared.<br>Buyer Comment (2025-08-19): account [Redacted] not used to qualify, please waive | 08/20/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 223904149 | [Redacted] | [Redacted] |  | 34194090 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | File is missing a copy of Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-19): BPL | 08/20/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 223904149 | [Redacted] | [Redacted] |  | 34194162 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested for use of actual rent over market rent. Borrower owns his current primary residence along with [redacted] other investment properties. Landlord history over [redacted]years. Borrower has [redacted] year mortgage history and a [redacted] year credit history with no late payments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-14): Client elected to waive exceptions with compensating factors. |  |  | 08/14/2025 | 2 B |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 223910254 | [Redacted] | [Redacted] |  | 34193786 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Hazard Insurance Policy Effective Date [redacted] is after the note date of [redacted] | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Disposable Income: $[redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Representative FICO: [redacted] | SitusAMC,Aggregator<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-02): Client elects to waive with comp factors.<br>Buyer Comment (2025-10-02): Comp factors are on approved exception - please clear<br>Reviewer Comment (2025-09-30): Lender would need to provide sufficient compensating factors to allow downgrade.<br>Buyer Comment (2025-09-26): Please downgrade and waive upon review<br>Reviewer Comment (2025-08-29): Due diligence is unable to clear.<br>Buyer Comment (2025-08-27): Email from Insurer<br>Reviewer Comment (2025-08-26): Received letter from borrower regarding no claims, however the file would require evidence from the insurer.<br>Buyer Comment (2025-08-22): No Loss Email |  |  | 10/02/2025 | 2 C B |  | AZ | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223910601 | [Redacted] | [Redacted] |  | 34191620 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The Hazard Insurance document list the subject property address as [redacted]however, the Note list the address as [redacted] |  |  |  | Reviewer Comment (2025-08-28): Note with corrected address provided. | 08/28/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223910601 | [Redacted] | [Redacted] |  | 34191633 |  |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Insurance Policy list the subject property address as [redacted] however, Note list the address as[redacted] |  |  |  | Reviewer Comment (2025-08-28): Note with corrected address provided | 08/28/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223910601 | [Redacted] | [Redacted] |  | 34191645 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The Valuations/Appraisals list the subject property address as [redacted];however, the Note list the address as [redacted] |  |  |  | Reviewer Comment (2025-08-28): Note with corrected address provided.<br>Buyer Comment (2025-08-26): Please see attached revised Note, [redacted]'s affidavit along with letter of intent to record. #[Redacted]was added to the address. | 08/28/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223910630 | [Redacted] | [Redacted] |  | 34194977 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final Title Policy is not provided in the file. |  |  |  | Reviewer Comment (2025-08-21): Final title Policy received and verified. Exception cleared | 08/21/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223910630 | [Redacted] | [Redacted] |  | 34194982 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Title Preliminary Report in the file doesn't disclose the total Policy coverage amount. Provide evidence of title with sufficient policy coverage. |  |  |  | Reviewer Comment (2025-08-21): Final title Policy received and verified. Exception cleared<br>Buyer Comment (2025-08-20): title commitment | 08/21/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223910630 | [Redacted] | [Redacted] |  | 34195011 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to[redacted] on the CD dated [redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [redacted] is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-27): PCCD |  | 08/28/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223910630 | [Redacted] | [Redacted] |  | 34195012 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | The Appraisal Review Fee changed to [redacted] on the CD dated [redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [redacted] is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-19): PC Cert | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223910630 | [Redacted] | [Redacted] |  | 34206790 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal was not in the name of the lender name. Provide a revised appraisal correcting the client or an appraisal transfer letter. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): PC cert | 08/26/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223911924 | [Redacted] | [Redacted] |  | 34193957 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-26): BPC | 08/27/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223911924 | [Redacted] | [Redacted] |  | 34193965 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | Collateral risk score is[redacted]. However secondary valuation is not provided in the file. |  |  |  | Reviewer Comment (2025-08-21): Received Desk Review in the file. Exception Cleared.<br>Buyer Comment (2025-08-20): CDA | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223913221 | [Redacted] | [Redacted] |  | 34194102 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay[redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing third-party verification for borrower, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-08-28): Received business license. Condition cleared.<br>Buyer Comment (2025-08-26): See business license doc uploaded to Exception ID [Redacted]<br>Reviewer Comment (2025-08-20): Exception is not down gradable or waivable. Lender guides require a third-party verification for self-employment borrowers. Unable to clear.<br>Buyer Comment (2025-08-18): Please see compensating factors document that was uploaded to exception ID [Redacted]for review for downgrade. | 08/28/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223913221 | [Redacted] | [Redacted] |  | 34194103 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay [redacted]: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing third-party verification for borrower. |  |  |  | Reviewer Comment (2025-08-28): Received business license. Condition cleared.<br>Buyer Comment (2025-08-26): See business license doc uploaded to Exception ID [Redacted]<br>Reviewer Comment (2025-08-20): Exception is not down gradable or waivable. Lender guides require a third-party verification for self-employment borrowers. Unable to clear.<br>Buyer Comment (2025-08-18): Please see attached compensating factors for review of downgrade. | 08/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913221 | [Redacted] | [Redacted] |  | 34194105 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third-party verification for borrower. |  |  |  | Reviewer Comment (2025-08-28): Received business license. Condition cleared.<br>Buyer Comment (2025-08-26): Please see attached insurance/business license search.<br>Reviewer Comment (2025-08-20): Exception is not down gradable or waivable. Lender guides require a third-party verification for self-employment borrowers. Unable to clear.<br>Buyer Comment (2025-08-18): Please see compensating factors document that was uploaded to exception ID [Redacted]for review for downgrade. | 08/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913221 | [Redacted] | [Redacted] |  | 34194107 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third-party verification for borrower. |  |  |  | Reviewer Comment (2025-08-28): Received business license. Condition cleared.<br>Buyer Comment (2025-08-26): See business license doc uploaded to Exception ID [Redacted]<br>Buyer Comment (2025-08-26): Please waive suspense as the product is not a full doc it is NonQM [redacted] only and per the guidelines under required documentation the income was verified within [Redacted]calendar days of note date via bank statements.<br>Reviewer Comment (2025-08-20): Exception is not down gradable or waivable. Lender guides require a third-party verification for self-employment borrowers. Unable to clear.<br>Buyer Comment (2025-08-18): Please see compensating factors document that was uploaded to exception ID [Redacted]for review for downgrade. | 08/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913221 | [Redacted] | [Redacted] |  | 34194109 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy amount of [redacted] in Commitment title policy is less the note amount of [redacted] |  |  |  | Reviewer Comment (2025-08-19): Title policy amount updated from corrected title document received. Exception cleared.<br>Buyer Comment (2025-08-18): Please see attached title with sufficient coverage. | 08/19/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913221 | [Redacted] | [Redacted] |  | 34194128 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing third-party verification for borrower. |  |  |  | Reviewer Comment (2025-08-28): Received business license. Condition cleared.<br>Buyer Comment (2025-08-26): See business license doc uploaded to Exception ID [Redacted]<br>Reviewer Comment (2025-08-20): Exception is not down gradable or waivable. Lender guides require a third-party verification for self-employment borrowers. Unable to clear.<br>Buyer Comment (2025-08-18): Please see compensating factors document that was uploaded to exception ID [Redacted]for review for downgrade. | 08/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913227 | [Redacted] | [Redacted] |  | 34194498 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in the file. |  |  |  | Reviewer Comment (2025-08-22): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2025-08-20): COGS | 08/22/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 223913227 | [Redacted] | [Redacted] |  | 34194503 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in the file. |  |  |  | Reviewer Comment (2025-08-26): Received Corporate Resolution in the file. Exception Cleared.<br>Buyer Comment (2025-08-22): Resolution | 08/26/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 223913229 | [Redacted] | [Redacted] |  | 34194629 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-19): E-sign Agreement received and verified. Exception cleared.<br>Buyer Comment (2025-08-15): Please see attached econsent audit log. | 08/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913231 | [Redacted] | [Redacted] |  | 34194417 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-25): E-sign Consent Agreement is received. Exception cleared.<br>Buyer Comment (2025-08-21): Pleas see attached econsent audit trail. | 08/25/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C A | N/A | N/A | No |
| 223913234 | [Redacted] | [Redacted] |  | 34335334 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-09-03): cert upld | 09/05/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 223913235 | [Redacted] | [Redacted] |  | 34195647 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received valid Changed circusmtance.<br>Buyer Comment (2025-08-25): COC<br>Reviewer Comment (2025-08-19): [Redacted] received COC dated [Redacted], however fee added on [Redacted] which is not within [Redacted] days of change. A valid Changed Circumstance within [Redacted] days or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-18): Pg [Redacted] [Redacted] COC for re-inspection fee | 08/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223913289 | [Redacted] | [Redacted] |  | 34198196 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]. Compliant SubPrime Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate[redacted] |  |  |  | Reviewer Comment (2025-08-27): Due diligence is unable to waive. Citing is only an EV1 for informational purposes only.<br>Buyer Comment (2025-08-25): Please waive this cond |  |  |  | 1 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223913289 | [Redacted] | [Redacted] |  | 34198198 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted]on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-26): PCCD, LOX, label and check |  | 08/27/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223913303 | [Redacted] | [Redacted] |  | 34194804 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested for non warrantable condo due to shared amenities and commercial space. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-15): Preapproved exception |  |  | 08/15/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223913303 | [Redacted] | [Redacted] |  | 34194821 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received [Redacted] Initial CD, [Redacted] business days prior to the consummation.<br>Buyer Comment (2025-08-18): CD | 08/19/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223913321 | [Redacted] | [Redacted] |  | 34205453 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-19): E-Sign Consent Agreement received. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-18): econsent | 08/19/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913321 | [Redacted] | [Redacted] |  | 34205457 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-19): Tax Verification document received, and details updated. Exception cleared.<br>Buyer Comment (2025-08-18): tax cert | 08/19/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913321 | [Redacted] | [Redacted] |  | 34205502 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within t[redacted]) business days of application. | Provided LE with issue date [redacted] has only page [redacted], rest of the pages are missing. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received initial LE dated [Redacted]<br>Buyer Comment (2025-08-19): LE | 08/20/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913667 | [Redacted] | [Redacted] |  | 34195117 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD/CD in file. |  |  |  | Reviewer Comment (2025-08-28): Received final HUD. Exception Cleared.<br>Buyer Comment (2025-08-27): signed final hud<br>Reviewer Comment (2025-08-22): Final HUD received in the file. Not executed by the borrower. Exception Remains.<br>Buyer Comment (2025-08-21): final hud | 08/28/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223913667 | [Redacted] | [Redacted] |  | 34195125 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-21): BPL | 08/22/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223913668 | [Redacted] | [Redacted] |  | 34214444 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title Fee - Plot Plan Fee was originally disclosed as a survey fee, and not disclosed on the LE. No valid COC, or cure provided |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received LOE suffice.<br>Buyer Comment (2025-08-26): TRID Response | 08/28/2025 |  |  | 1 C A |  | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223913707 | [Redacted] | [Redacted] |  | 34203939 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Missing VOR. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received processor cert for VOR along with credit supplement.<br>Buyer Comment (2025-09-04): pc cert<br>Reviewer Comment (2025-08-21): Credit report doesn't confirm months reported for rental payments. Exception remains.<br>Buyer Comment (2025-08-20): PC Cert<br>Buyer Comment (2025-08-20): VOR | 09/08/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223913716 | [Redacted] | [Redacted] |  | 34201214 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-20): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | OR | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223913722 | [Redacted] | [Redacted] |  | 34204101 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of[redacted] exceeds tolerance of [redacted]. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-22): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-08-21): Cure docs |  | 08/22/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223913722 | [Redacted] | [Redacted] |  | 34205859 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Loan Discount Fee [redacted] was not disclosed on initial Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-15): COC | 08/19/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223913822 | [Redacted] | [Redacted] |  | 34204184 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] months bank statements for each accounts ending in[redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-25): Received most recent Aus (LP) reflects one month bank statement considered for reserve requirement. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-08-21): LP<br>Reviewer Comment (2025-08-21): Available AUS is DU approved, provide bank statement or LP approved AUS. Exception Remains.<br>Buyer Comment (2025-08-19): Per Final LP only [Redacted] month bank statement is needed | 08/25/2025 |  |  | 1 C A |  | ME | Investment | Purchase | C A | N/A | N/A | No |
| 223913822 | [Redacted] | [Redacted] |  | 34204216 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | As per the AUS clause[redacted]month bank statements required, however we have received only [redacted] month of bank statement for [redacted] |  |  |  | Reviewer Comment (2025-08-25): Received most recent Aus (LP) reflects one month bank statement considered for reserve requirement. Details verified and updated. Exception cleared. | 08/25/2025 |  |  | 1 C A |  | ME | Investment | Purchase | C A | N/A | N/A | No |
| 223913822 | [Redacted] | [Redacted] |  | 34204217 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | VOE for co-borrower dated [redacted] note date is [redacted] |  |  |  | Reviewer Comment (2025-08-22): Received verification of employment document. Exception cleared.<br>Buyer Comment (2025-08-20): VOE | 08/22/2025 |  |  | 1 C A |  | ME | Investment | Purchase | C A | N/A | N/A | No |
| 223913822 | [Redacted] | [Redacted] |  | 34206424 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] months bank statements for each accounts ending in [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-25): Received most recent Aus (LP) reflects one month bank statement considered for reserve requirement. Details verified and updated. Exception cleared. | 08/25/2025 |  |  | 1 C A |  | ME | Investment | Purchase | C A | N/A | N/A | No |
| 223913845 | [Redacted] | [Redacted] |  | 34201829 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-20): Cert of business purpose | 08/21/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223914606 | [Redacted] | [Redacted] |  | 34203367 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-26): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-22): BPC | 08/26/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| 223914617 | [Redacted] | [Redacted] |  | 34203705 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-18): BP | 08/19/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A |  | N/A | No |
| 223914617 | [Redacted] | [Redacted] |  | 34203706 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is missing in the file. |  |  |  | Reviewer Comment (2025-08-21): Cleared. Closing statement provided is stamped as original/final by title agent.<br>Buyer Comment (2025-08-19): that was the final CD signed at closing. With this loan product we don't generate CD's so this is titles. They stamped on the top this is the true copy.<br>Reviewer Comment (2025-08-19): Received estimated buyer's settlement Statement. Require executed final HUD/CD. Exception remains.<br>Buyer Comment (2025-08-18): HUD | 08/21/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A |  | N/A | No |
| 223915001 | [Redacted] | [Redacted] |  | 34204763 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-20): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | AR | Investment | Purchase | C A |  | N/A | No |
| 223915382 | [Redacted] | [Redacted] |  | 34204903 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-20): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223915382 | [Redacted] | [Redacted] |  | 34204904 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD signed copy is missing |  |  |  | Reviewer Comment (2025-08-21): Received Closing statement. Exception Cleared<br>Buyer Comment (2025-08-20): Final signed HUD | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223915383 | [Redacted] | [Redacted] |  | 34211335 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received LOX.<br>Buyer Comment (2025-08-27): email from title co - flood determination is a one time fee | 08/28/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223915406 | [Redacted] | [Redacted] |  | 34204792 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy with effective date prior to closing [redacted] is required. |  |  |  | Reviewer Comment (2025-08-20): Policy for the period of [Redacted]-[Redacted] located in the file. Exception cleared.<br>Buyer Comment (2025-08-19): Pg[Redacted] [Redacted]policy term [Redacted]- [Redacted], please cancel | 08/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223915406 | [Redacted] | [Redacted] |  | 34204797 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Non-QM Business Purpose Certificate is provided. Exception cleared.<br>Buyer Comment (2025-08-19): BPC | 08/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223915406 | [Redacted] | [Redacted] |  | 34204812 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease Agreement is missing in file. |  |  |  | Reviewer Comment (2025-10-02): Cleared. Updated allowable rental income for commercial lease for dscr calculation.<br>Buyer Comment (2025-09-30): Rental income calculation: [Redacted]% of total commercial $[Redacted] = $[Redacted] + [Redacted]+[Redacted]total income is $[Redacted]<br>Reviewer Comment (2025-09-29): Per lender leases are not available. Tenants are month to month. However the amount of rent on the commercial portion of the property exceeds the [Redacted]% and is not allowed per lender guides.<br>Buyer Comment (2025-09-29): Please review as[Redacted] most recent checks are on file<br>Reviewer Comment (2025-09-04): Per lender guides for Mixed use properties, when rented, all leases are required and the commercial unit can only contribute [Redacted]% of the gross rental income for all units. In addition, if month to month, the most recent [Redacted] months proof of rental receipt is required.<br>Buyer Comment (2025-09-02): LOE<br>Buyer Comment (2025-09-02): Rebuttal<br>Reviewer Comment (2025-08-28): Require letter outlining the terms of the lease which includes the tenant's name, address, monthly rent and how long the lease has been active with proof of most recent month's rental income. Exception remains.<br>Buyer Comment (2025-08-27): Rent Checks [Redacted]<br>Reviewer Comment (2025-08-20): Provided letter of explanation does not have lease terms mentioned for all the [Redacted] units. Provide letter with all the terms (tenant's name & address, monthly rent and how loan lease has been active). If it is month-to-month then also require most recent month's rent receipt from all the units. Exception remains.<br>Buyer Comment (2025-08-19): Pg [Redacted] [Redacted]LOX | 10/02/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223915486 | [Redacted] | [Redacted] |  | 34205107 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | File is missing operating agreement for business entity [redacted] |  |  |  | Reviewer Comment (2025-08-22): Received Operating Agreement in the file. Exception Cleared.<br>Buyer Comment (2025-08-20): operating agreement | 08/22/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 223915486 | [Redacted] | [Redacted] |  | 34205113 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The[redacted] Consent & Resolution is not located in the file. |  |  |  | Reviewer Comment (2025-08-26): Received Corporate Resolution. Exception Cleared.<br>Buyer Comment (2025-08-22): resolution | 08/26/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 223915492 | [Redacted] | [Redacted] |  | 34203857 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Ten percent fee tolerance exceeded due to recording fee changing from [redacted]. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-08-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-26): See upload | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223915492 | [Redacted] | [Redacted] |  | 34203858 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee disclosed as [redacted] on Loan Estimate but disclosed as[redacted] on Final Closing Disclosure No valid change in circumstance or cure provided. |  |  |  | Reviewer Comment (2025-08-27): [Redacted] received a valid COC.<br>Buyer Comment (2025-08-26): COC | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223915492 | [Redacted] | [Redacted] |  | 34230787 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing the borrower's recent [redacted] month rental history. |  |  |  | Reviewer Comment (2025-08-25): VOR document received, exception cleared.<br>Buyer Comment (2025-08-21): VOR | 08/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915492 | [Redacted] | [Redacted] |  | 34306684 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223915492 | [Redacted] | [Redacted] |  | 34306685 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223915495 | [Redacted] | [Redacted] |  | 34206583 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223915526 | [Redacted] | [Redacted] |  | 34204384 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-21): E-sign Consent Agreement received and verified. Exception cleared.<br>Buyer Comment (2025-08-20): econsent | 08/21/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223915529 | [Redacted] | [Redacted] |  | 34204988 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-19): business cert | 08/20/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223915529 | [Redacted] | [Redacted] |  | 34206348 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for request to permit a temporary buydown at an [redacted] LTV. \*\*\*Unable to waive. The lender exception approval requires a min [redacted] year prepayment penalty however the prepayment addendum reflects [redacted]months.\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-19): Exception |  |  | 08/21/2025 | 2 C B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223915533 | [Redacted] | [Redacted] |  | 34204508 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-20): BPL | 08/22/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 223915533 | [Redacted] | [Redacted] |  | 34204511 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-22): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-20): fraud | 08/22/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 223915533 | [Redacted] | [Redacted] |  | 34204553 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requesting to meet the requirements to obtain a landlord history waiver does not own a current primary residence. The exception is approved with compensating factor [redacted] LTV Max, Minimum [redacted] DSCR, Minimum [redacted], UW to review and approve a LOE from the borrower how they will maintain the property and Subject to meeting all other signature expanded guideline requirements. \*\*\*Unable to waive. The Post-Closing Occupancy Inspection Affidavit provided is not signed by the borrower.\*\*\* |  |  |  | Reviewer Comment (2025-08-22): lender exception was provided<br>Buyer Comment (2025-08-20): exception approval | 08/22/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 223915540 | [Redacted] | [Redacted] |  | 34209608 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to providing the interior access to the top floor guest suite. A [redacted] Completion Cert is not located in the file. |  |  |  | Reviewer Comment (2025-10-17): Appraisal updated to as-is. [redacted] no longer required.<br>Buyer Comment (2025-09-22): Appraisal Correction<br>Reviewer Comment (2025-09-19): Received Appraisal Form 2090 is reflecting different property address. Please provide subject property updated appraisal 1004D/442. Exception remains.<br>Buyer Comment (2025-09-18): As is appraisal attached<br>Reviewer Comment (2025-09-08): Please provide a new appraisal with the ADU removed that reflects "As-Is" status OR a [redacted] reflecting access to the ADU to make the current appraisal status "As-IS".<br>Buyer Comment (2025-09-04): Please advise on correcting. Either access needs to be '[redacted]', or the appraiser needs to take the '[redacted]' sqftg out of the above grade living sqftg. Access is not there and is not going to be there. | 10/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223915543 | [Redacted] | [Redacted] |  | 34205135 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee of [redacted] was not disclosed on initial or final LE's. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-08-27): [Redacted] received Post CD and LOX by moving fee to section [Redacted].<br>Buyer Comment (2025-08-26): PCCD | 08/27/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223915545 | [Redacted] | [Redacted] |  | 34204127 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-22): Received Articles of organization. Exception Cleared.<br>Buyer Comment (2025-08-21): Articles of Organization | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915545 | [Redacted] | [Redacted] |  | 34204128 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-21): Business Purpose Cert | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915545 | [Redacted] | [Redacted] |  | 34204129 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-22): Received Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2025-08-21): [redacted] | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915545 | [Redacted] | [Redacted] |  | 34204130 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | [redacted] Consent & Resolution to borrow is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-22): Received Corporate Resolution. Exception cleared.<br>Buyer Comment (2025-08-21): Corporate Resolution | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915545 | [Redacted] | [Redacted] |  | 34204133 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-22): Received Employer Identification Number. Exception Cleared.<br>Buyer Comment (2025-08-21): EIN | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915545 | [Redacted] | [Redacted] |  | 34204135 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-22): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-08-21): Operating Agreement | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915545 | [Redacted] | [Redacted] |  | 34204159 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for non- warrantable condo due to investor concentration. The exception is approved with compensating factor [redacted] LTV Max, minimum DSCR [redacted], Minimum [redacted] PPP, subject to[redacted] price adjustment and subject to meeting all other [redacted] guideline requirements. \*\*\*Unable to waive. The [redacted] statement is not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-21): [redacted] |  |  | 08/25/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915545 | [Redacted] | [Redacted] |  | 34204170 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requesting to use seller provided[redacted] statement for rent calculation in lieu of [redacted] on a purchase of a short term rental. Guidelines state to use market rent or [redacted]. The exception is approved for XXXX printout to be confirmed as documenting short term rents for the subject property and [redacted] per the rate sheet. \*\*\*Unable to waive. The [redacted] statement is not located in the file.\*\*\* | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-21): Please see [redacted] uploaded today. |  |  | 08/25/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223915546 | [Redacted] | [Redacted] |  | 34205539 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | All assets from accounts listed on final 1003 have been verified. Net proceeds of pending sale for [redacted] is missing documentation to verify. |  |  |  | Reviewer Comment (2025-08-27): Received cash flow analysis and closing statement from sale of departure residence. Condition cleared.<br>Buyer Comment (2025-08-25): Please see HUD of departing residence | 08/27/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915546 | [Redacted] | [Redacted] |  | 34205548 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The HOI policy coverage is insufficient by[redacted]. The correspondence provided does not reflect additional coverage. |  |  |  | Reviewer Comment (2025-08-27): Received cash flow analysis and closing statement from sale of departure residence. Condition cleared.<br>Buyer Comment (2025-08-25): We do not need RCE when insurance covers [Redacted]% replacement cost please clear<br>Reviewer Comment (2025-08-22): The HOI policy coverage is insufficient by $[Redacted]. The correspondence provided does not reflect additional coverage.<br>Buyer Comment (2025-08-20): RCE | 08/27/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915546 | [Redacted] | [Redacted] |  | 34205557 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | All assets from accounts listed on final 1003 have been verified. Net proceeds of pending sale for[redacted] is missing documentation to verify. |  |  |  | Reviewer Comment (2025-08-27): Received cash flow analysis and closing statement from sale of departure residence. Condition cleared.<br>Buyer Comment (2025-08-25): Cash flow analysis | 08/27/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915546 | [Redacted] | [Redacted] |  | 34208028 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for loan amount. Loan amount of [redacted] over our posted guide of [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-15): Client elected to waive exceptions with compensating factors. |  |  | 08/15/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915546 | [Redacted] | [Redacted] |  | 34208126 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Business account used for qualifying assets is also the business used for income qualification. Missing CPA/EA/licensed tax preparer's letter stating that the use of the funds in the transaction will not have a material adverse impact on the business' operations, OR completed Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet reviewing most recent [redacted] months of business account statements. |  |  |  | Reviewer Comment (2025-08-27): Received cash flow analysis and closing statement from sale of departure residence. Condition cleared.<br>Buyer Comment (2025-08-25): Cash flow analysis | 08/27/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915549 | [Redacted] | [Redacted] |  | 34207669 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-21): E-Sign Consent Agreement received, exception cleared.<br>Buyer Comment (2025-08-20): econsent | 08/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915549 | [Redacted] | [Redacted] |  | 34207697 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Exception request for the borrower being self employed [redacted]months is approved | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Pre approved exception |  |  | 08/18/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915650 | [Redacted] | [Redacted] |  | 34208674 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-29): [Redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-08-27): PCCD | 08/29/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223915709 | [Redacted] | [Redacted] |  | 34208625 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment Addendum to the Note is not provided in the file as required. |  |  |  | Reviewer Comment (2025-08-21): Prepayment Addendum to the Note received & associated. Exception cleared.<br>Buyer Comment (2025-08-20): PPP Note Addend | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | N/A | Yes |
| 223915709 | [Redacted] | [Redacted] |  | 34208690 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for S/E business established [redacted] years. Borrower has license for same line of work since [redacted]and business income is stable/increasing over past [redacted] months. Conditions include [redacted] Max LTV, Max [redacted] DTI, Verification of employment in same line of business[redacted] years. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Preapproved exception |  |  | 08/18/2025 | 2 B |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 223915785 | [Redacted] | [Redacted] |  | 34212116 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-19): E-Sign Consent Agreement received, and details updated. Exception cleared.<br>Buyer Comment (2025-08-18): econsent | 08/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223915785 | [Redacted] | [Redacted] |  | 34212169 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to Transfer Tax Fee. No valid COC provided. |  |  |  | Reviewer Comment (2025-10-02): [Redacted] : Refund provided by title company. Received copy of refund check, mailing confirmation via USPS and LOE from lender and third party title for refund.<br>Buyer Comment (2025-09-30): title docs<br>Reviewer Comment (2025-09-26): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. ([Redacted])<br>Reviewer Comment (2025-09-23): [Redacted] received rebuttal comment however, the updated CD is required to show the fee was paid by other parties than borrower or detailed LOE for refund provided with proof of mailing is required to cure.<br>Buyer Comment (2025-09-19): [Redacted] did not refund the check to the borrowers so I do not have the PCCD and LOX and proof of mailing as it came from title to borrower.<br>Reviewer Comment (2025-09-19): [Redacted] received copy of refund check, however we also require corrected PCCD, LOE and proof of mailing to cure the exception.<br>Buyer Comment (2025-09-17): copy of check from title<br>Reviewer Comment (2025-09-05): [Redacted] received email confirmation from title for refund of $[Redacted] for transfer taxes. Please provide corrected PCCD, LOE copy of refund check and proof of mailing once the title issued the refund.<br>Buyer Comment (2025-09-03): title's email<br>Reviewer Comment (2025-09-03): [Redacted] : Provided mavent report indicates baseline from [Redacted] CD. However, [redacted] calculated baseline from initial LE dated [Redacted] and the transfer disclosed in the amount of $[Redacted] and the fee was further increase of $[Redacted] on [Redacted] Final CD without VCCs. [Redacted] unable to re-baseline this exception without valid COC. Provide valid COC for the fee increased or Cure would be due to borrower.<br>Buyer Comment (2025-08-29): Please see the [Redacted] page [Redacted] which verifies the eligibility was affected which changed the baseline which there is no differences from LE & CD<br>Reviewer Comment (2025-08-28): [Redacted] received email for explanation however, the reason provided is not valid as the transfer tax disclosed in good faith on initial LE is only $[Redacted] and later the City County Tax/Stamp fee was added on prelim CD by title. There must be some changes occurred that resulted in addition of the extra charges. Please provide why the fee was added later in the review.<br>Buyer Comment (2025-08-26): supporting docs for transfer tax<br>Reviewer Comment (2025-08-19): [Redacted] received COC dated [Redacted] for adding transfer tax however, the reason provided for adding the fee is not provided on COC. Please provide information as to what changed circumstance occurred (as defined under [Redacted] that resulted in an increase in closing costs or cure would be required.<br>Buyer Comment (2025-08-18): COC & CD |  | 10/02/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223915787 | [Redacted] | [Redacted] |  | 34210478 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received earliest e-consent dated [Redacted] .<br>Buyer Comment (2025-08-19): econsent | 08/20/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223915813 | [Redacted] | [Redacted] |  | 34212212 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note . |  |  |  | Reviewer Comment (2025-09-02): Hazard Insurance Policy Effective Date is same as Disbursement Date [Redacted] . Exception cleared.<br>Buyer Comment (2025-08-28): Please see disbursement date of [Redacted] matching HOI effective date | 09/02/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915813 | [Redacted] | [Redacted] |  | 34212629 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Closing disclosure for bridge loan not provided in file for Property address - [redacted] |  |  |  | Reviewer Comment (2025-08-25): [Redacted] Loan closing disclosure received. Details verified and updated. Reserve requirement met. Exception cleared.<br>Buyer Comment (2025-08-21): CD | 08/25/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915813 | [Redacted] | [Redacted] |  | 34212667 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Closing disclosure for bridge loan not provided in file for Property address - [redacted] |  |  |  | Reviewer Comment (2025-08-25): [Redacted] Loan closing disclosure received. Details verified and updated. Reserve requirement met. Exception cleared. | 08/25/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223915813 | [Redacted] | [Redacted] |  | 34212668 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Closing disclosure for bridge loan not provided in file for Property address - [redacted] |  |  |  | Reviewer Comment (2025-08-25): [Redacted] Loan closing disclosure received. Details verified and updated. Reserve requirement met. Exception cleared. | 08/25/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915813 | [Redacted] | [Redacted] |  | 34212674 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Closing disclosure for bridge loan not provided in file for Property address - [redacted] |  |  |  | Reviewer Comment (2025-08-25): [Redacted] Loan closing disclosure received. Details verified and updated. Reserve requirement met. Exception cleared. | 08/25/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915813 | [Redacted] | [Redacted] |  | 34212675 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Closing disclosure for bridge loan not provided in file for Property address - [redacted] |  |  |  | Reviewer Comment (2025-08-25): [Redacted] Loan closing disclosure received. Details verified and updated. Reserve requirement met. Exception cleared. | 08/25/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915813 | [Redacted] | [Redacted] |  | 34212681 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Closing disclosure for bridge loan not provided in file for Property address - [redacted] |  |  |  | Reviewer Comment (2025-08-25): [Redacted] Loan closing disclosure received. Details verified and updated. Reserve requirement met. Exception cleared. | 08/25/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223915813 | [Redacted] | [Redacted] |  | 34341517 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | New closing disclosure received. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-09-12): PCCD<br>Reviewer Comment (2025-09-04): Cure amount would be highest of the TOP, Fin Chg or Amount Financed. TOP is greater tolerance violation amount at $[Redacted] . A corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing would cure all [Redacted] violations.<br>Buyer Comment (2025-09-03): We would only need to cure the higher of the [Redacted] under-disclosures since the Finance Charges are derived from the Total of Payments. Please confirm the total cure of $[Redacted] for increased TOP will satisfy all [Redacted] conditions. Once confirmed we will proceed with the PCCD and check request. |  | 09/15/2025 |  | 2 B |  | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223915813 | [Redacted] | [Redacted] |  | 34341518 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of[redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | New closing disclosure received. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-09-04): Cure amount would be highest of the TOP, Fin Chg or Amount Financed. TOP is greater tolerance violation amount at $[Redacted] . A corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing would cure all [Redacted] violations.<br>Buyer Comment (2025-09-03): We would only need to cure the higher of the [Redacted] under-disclosures since the Finance Charges are derived from the Total of Payments. Please confirm the total cure of $[Redacted] for increased TOP will satisfy all [Redacted] conditions. Once confirmed we will proceed with the PCCD and check request. |  | 09/15/2025 |  | 2 B |  | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223915813 | [Redacted] | [Redacted] |  | 34341519 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated[redacted]. The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of[redacted]which exceeds the[redacted] threshold. | New closing disclosure received. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-09-04): Cure amount would be highest of the TOP, Fin Chg or Amount Financed. TOP is greater tolerance violation amount at $[Redacted] . A corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing would cure all [Redacted] violations.<br>Buyer Comment (2025-09-03): We would only need to cure the higher of the [Redacted] under-disclosures since the Finance Charges are derived from the Total of Payments. Please confirm the total cure of $[Redacted] for increased TOP will satisfy all [Redacted] conditions. |  | 09/15/2025 |  | 2 B |  | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223915814 | [Redacted] | [Redacted] |  | 34234359 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-18): Sufficient Cure Provided At Closing |  | 08/18/2025 |  | 1 A |  | KY | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223915820 | [Redacted] | [Redacted] |  | 34205697 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223915820 | [Redacted] | [Redacted] |  | 34231777 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds max allowed. Unable to exclude T I A for[redacted] based on documentation provided. |  |  |  | Reviewer Comment (2025-09-02): Departing residence captured correctly. Exception cleared.<br>Buyer Comment (2025-08-28): [Redacted] | 09/02/2025 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223915820 | [Redacted] | [Redacted] |  | 34231778 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to [redacted]) | DTI exceeds max allowed. Unable to exclude T I A for [redacted] based on documentation provided. |  |  |  | Reviewer Comment (2025-09-02): Departing residence captured correctly. Exception cleared.<br>Buyer Comment (2025-08-28): Right To Sell and BPO uploaded | 09/02/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915820 | [Redacted] | [Redacted] |  | 34231797 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds max allowed. Unable to exclude T I A for [redacted]based on documentation provided. |  |  |  | Reviewer Comment (2025-09-02): Departing residence captured correctly. Exception cleared.<br>Buyer Comment (2025-08-28): Right To Sell and BPO uploaded | 09/02/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915820 | [Redacted] | [Redacted] |  | 34231833 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds max allowed. Unable to exclude T I A for [redacted]based on documentation provided. |  |  |  | Reviewer Comment (2025-09-02): Departing residence captured correctly. Exception cleared.<br>Buyer Comment (2025-08-28): Right To Sell and BPO uploaded | 09/02/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915823 | [Redacted] | [Redacted] |  | 34211821 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance Verification. |  |  |  | Reviewer Comment (2025-08-25): HOI policy received, exception cleared.<br>Buyer Comment (2025-08-21): HOI | 08/25/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223915834 | [Redacted] | [Redacted] |  | 34216800 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-25): E-Sign Consent Agreement received & associated. Exception cleared.<br>Buyer Comment (2025-08-21): eConsent | 08/25/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223915869 | [Redacted] | [Redacted] |  | 34209001 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted] Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted] | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received PCCD and LOX and upon further review the transaction is a purchase from builder and no seller fees were charged.<br>Buyer Comment (2025-08-25): PCCD | 08/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 223915950 | [Redacted] | [Redacted] |  | 34204970 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-19): business cert | 08/20/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223915950 | [Redacted] | [Redacted] |  | 34205015 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requesting exception to permit a temporary buydown at an [redacted] LTV.FICO [redacted] Points or More Above Requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-17): Client elected to waive exceptions with compensating factors. |  |  | 08/17/2025 | 2 B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 223915953 | [Redacted] | [Redacted] |  | 34204528 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in the file. |  |  |  | Reviewer Comment (2025-08-29): Received Fraud report. Cleared.<br>Buyer Comment (2025-08-27): Fraud Report<br>Reviewer Comment (2025-08-22): Received fraud report with limited check Performed, does not reflect judgments and liens, bankruptcy, foreclosure report. Provide full Fraud report. Exception Remains.<br>Buyer Comment (2025-08-20): See Fraud report | 08/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223915953 | [Redacted] | [Redacted] |  | 34204530 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-20): Closing - BPL - Borrower Certification of Business Purpose | 08/22/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223915953 | [Redacted] | [Redacted] |  | 34204533 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in the file. |  |  |  | Reviewer Comment (2025-08-29): Received Fraud report. Cleared.<br>Buyer Comment (2025-08-27): See Upload<br>Reviewer Comment (2025-08-22): Received fraud report with limited check Performed, does not reflect judgments and liens, bankruptcy, foreclosure report. Provide full Fraud report. Exception Remains.<br>Buyer Comment (2025-08-20): Fraud Report | 08/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223915954 | [Redacted] | [Redacted] |  | 34210707 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [redacted]. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-09-04): Extended coverage updated, Exception Cleared<br>Buyer Comment (2025-09-02): Page [Redacted] lists the extended replacement coverage | 09/04/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915954 | [Redacted] | [Redacted] |  | 34210736 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-09-15): Initial application date updated, Exception Cleared.<br>Buyer Comment (2025-09-11): initial 1003 | 09/15/2025 |  |  | 1 B A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915954 | [Redacted] | [Redacted] |  | 34210796 |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date using the following dates: [redacted]Lookback testing performed up to one of the following: TRID start date, TIL/MDIA [redacted] start date, RESPA [redacted] start date, TIL/MDIA [redacted] start date, LOS Application Date, Broker Application Date, or [redacted] months prior to consummation. | Initial Loan Application is missing |  |  |  | Reviewer Comment (2025-09-15): Initial application date updated, Exception Cleared.<br>Buyer Comment (2025-09-11): initial 1003 submitted | 09/15/2025 |  |  | 1 B A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915954 | [Redacted] | [Redacted] |  | 34210797 |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act ([redacted]): Unable to determine compliance with [redacted]timing requirements due to missing evidence of initial loan application date. | Initial Loan Application is missing |  |  |  | Reviewer Comment (2025-09-15): Initial application date updated, Exception Cleared.<br>Buyer Comment (2025-09-11): initial 1003 submitted | 09/15/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915958 | [Redacted] | [Redacted] |  | 34212058 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid COC provided, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223915958 | [Redacted] | [Redacted] |  | 34212059 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223915959 | [Redacted] | [Redacted] |  | 34208346 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Signature page of Security instrument contains notary acknowledgement and dates but borrowers signatures are not visible. |  |  |  | Reviewer Comment (2025-08-20): Mortgage received, exception cleared.<br>Buyer Comment (2025-08-19): Mortgage | 08/20/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A | N/A | N/A | No |
| 223915969 | [Redacted] | [Redacted] |  | 34204822 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-19): Received Business Purpose Certificate. Exception cleared<br>Buyer Comment (2025-08-18): BP | 08/19/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223915969 | [Redacted] | [Redacted] |  | 34207800 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | Not required |  |  |  | Reviewer Comment (2025-08-19): OFAC search not required for the additional member of the business entity. Exception Cleared.<br>Buyer Comment (2025-08-18): Please cancel this cond - this is not one of our borrowers | 08/19/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223915982 | [Redacted] | [Redacted] |  | 34204286 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-21): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-19): Fraud report | 08/21/2025 |  |  | 1 C A |  | RI | Investment | Purchase | C A |  | N/A | No |
| 223915989 | [Redacted] | [Redacted] |  | 34226126 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds max allowed. Per 1008 other monthly debt is [redacted], however system calculated other monthly debt is [redacted] |  |  |  | Reviewer Comment (2025-08-22): [Redacted] excluded because this liability have been paid off by bank statements. Exception cleared.<br>Buyer Comment (2025-08-20): PC Cert | 08/22/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223915989 | [Redacted] | [Redacted] |  | 34226127 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] moderately exceeds the guideline maximum of[redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds max allowed. Per 1008 other monthly debt is [redacted], however system calculated other monthly debt is [redacted] |  |  |  | Reviewer Comment (2025-08-22): [Redacted] excluded because this liability have been paid off by bank statements. Exception cleared. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915989 | [Redacted] | [Redacted] |  | 34226128 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds max allowed. Per 1008 other monthly debt is [redacted]however system calculated other monthly debt is [redacted] |  |  |  | Reviewer Comment (2025-08-22): [Redacted] excluded because this liability have been paid off by bank statements. Exception cleared. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915989 | [Redacted] | [Redacted] |  | 34226139 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds max allowed. Per 1008 other monthly debt is[redacted], however system calculated other monthly debt is [redacted] |  |  |  | Reviewer Comment (2025-08-22): [Redacted] excluded because this liability have been paid off by bank statements. Exception cleared. | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223915991 | [Redacted] | [Redacted] |  | 34205798 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | Note - Subordinate Lien not provided. |  |  |  | Reviewer Comment (2025-08-21): Received Note - Subordinate Lien of subject property address, information validated. Exception Cleared.<br>Buyer Comment (2025-08-20): note | 08/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223916062 | [Redacted] | [Redacted] |  | 34208755 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-26): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-22): Business_Purpose_Cert Atkinson | 08/26/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223916062 | [Redacted] | [Redacted] |  | 34208762 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-08-22): Received executed copy of Final HUD in the file. Exception Cleared.<br>Buyer Comment (2025-08-20): FINAL SIGNED HUD STATEMENT FROM CLOSING | 08/22/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223916082 | [Redacted] | [Redacted] |  | 34210157 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-18): Lender credit was given on Final CD please clear | 08/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223916082 | [Redacted] | [Redacted] |  | 34210182 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-21): E-Sign Consent Agreement received & associated. Exception cleared.<br>Buyer Comment (2025-08-20): econsent | 08/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223916082 | [Redacted] | [Redacted] |  | 34210240 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification document is missing in file for REO property as[redacted] |  |  |  | Reviewer Comment (2025-08-21): Insurance disclosure & HOA associated. Exception cleared.<br>Buyer Comment (2025-08-20): [Redacted] | 08/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223916082 | [Redacted] | [Redacted] |  | 34213818 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a[redacted]LTV is requested. Maximum[redacted] LTV for [redacted] method [redacted]and the requested LTV is [redacted] | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of[redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-15): Client elected to waive exceptions with compensating factors. |  |  | 08/15/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223916082 | [Redacted] | [Redacted] |  | 34213859 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for request to utilize a VOR completed by a private party when the guidelines require copy of lease and [redacted] months cancelled checks. We also have page [redacted] of lease dated[redacted] and al pages of prior lease dated[redacted] effective[redacted]mo. I included payment in DTI since the lease term doesn't end until[redacted]. Documented [redacted] months pos-closing reserves. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of[redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-15): Client elected to waive exceptions with compensating factors. |  |  | 08/15/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223916082 | [Redacted] | [Redacted] |  | 34238315 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223919371 | [Redacted] | [Redacted] |  | 34212824 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223919371 | [Redacted] | [Redacted] |  | 34214813 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | XXXX initial rate lock missing in file. |  |  |  | Reviewer Comment (2025-08-22): Initial rate lock document provided. Exception cleared.<br>Buyer Comment (2025-08-20): lock | 08/22/2025 |  |  | 1 C A D |  | MI | Primary | Refinance - Cash-out - Home Improvement | D A | Non QM | Non QM | No |
| 223919434 | [Redacted] | [Redacted] |  | 34209870 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of[redacted]is over disclosed by [redacted] compared to the calculated Amount Financed of[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | The disclosed Amount Financed in the amount of [redacted] is over disclosed by[redacted]compared to the calculated Amount Financed of [redacted] |  |  |  | Reviewer Comment (2025-08-27): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-26): PCCD submitted |  | 08/27/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223919434 | [Redacted] | [Redacted] |  | 34209871 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of[redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of[redacted]which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | The disclosed Finance Charge in the amount of [redacted] is under disclosed by[redacted] compared to the calculated Finance Charge of [redacted] |  |  |  | Reviewer Comment (2025-08-27): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-26): PCCD and cure submitted |  | 08/27/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223921972 | [Redacted] | [Redacted] |  | 34227350 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-18): Sufficient Cure Provided At Closing |  | 08/18/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223921972 | [Redacted] | [Redacted] |  | 34229473 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | File is missing verification of[redacted] months reserves. Documentation to verify net proceeds from the sale of the sold property is not located in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Closing Statement for Net Proceeds from Sale of Real Estate. Exception cleared.<br>Buyer Comment (2025-08-29): ALTA | 09/02/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223921972 | [Redacted] | [Redacted] |  | 34229480 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets for closing of [redacted] is less than cash required from borrower in the amount of [redacted] Documentation to verify net proceeds from the sale of the sold property is not located in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Closing Statement for Net Proceeds from Sale of Real Estate. Exception cleared.<br>Buyer Comment (2025-08-29): ALTA uploaded | 09/02/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223921972 | [Redacted] | [Redacted] |  | 34229501 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Origination discrepancy due to documentation to verify net proceeds from the sale of the sold property is not located in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Closing Statement for Net Proceeds from Sale of Real Estate. Exception cleared.<br>Buyer Comment (2025-08-29): ALTA uploaded | 09/02/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223921972 | [Redacted] | [Redacted] |  | 34229502 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to documentation to verify net proceeds from the sale of the sold property is not located in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Closing Statement for Net Proceeds from Sale of Real Estate. Exception cleared.<br>Buyer Comment (2025-08-29): ALTA uploaded | 09/02/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922267 | [Redacted] | [Redacted] |  | 34212979 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus[redacted]. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-02): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-29): Fed Ex, LOX, PCCD, Ck Copy, Tracking |  | 09/02/2025 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223922267 | [Redacted] | [Redacted] |  | 34216790 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for request for a CPA that prepared a letter regarding the P&L that is not the same party who filed the most recent tax returns. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Preapproved exception |  |  | 08/18/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223922275 | [Redacted] | [Redacted] |  | 34229553 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted]Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-26): Counseling Disclosure | 08/28/2025 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 223922275 | [Redacted] | [Redacted] |  | 34229554 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate[redacted]. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-27): This is an HPML loan and closed accordingly, please cancel | 08/28/2025 |  |  | 1 B A |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223922275 | [Redacted] | [Redacted] |  | 34317531 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate[redacted]. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive.<br>Reviewer Comment (2025-09-09): Emailed [Redacted] as exception cannot be cancelled.<br>Buyer Comment (2025-09-05): Loan is compliant, verbiage is present on mortgage. Please cancel<br>Reviewer Comment (2025-09-04): This is an [redacted] exception which is for informational purposes only. DD is unable to cancel.<br>Buyer Comment (2025-09-02): This is an HPML loan and closed accordingly, please cancel |  |  | 09/09/2025 | 1 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223922275 | [Redacted] | [Redacted] |  | 34317560 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Provided to borrower the day after the application date. |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive.<br>Reviewer Comment (2025-09-04): This is an [redacted] exception which is for informational purposes only. XXXX is unable to cancel.<br>Buyer Comment (2025-09-02): Counseling Disclosure previously uploaded, please cancel |  |  | 09/09/2025 | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 223922276 | [Redacted] | [Redacted] |  | 34215142 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received e-consent.<br>Buyer Comment (2025-08-25): econsent | 08/26/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922307 | [Redacted] | [Redacted] |  | 34212714 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for origination for property is operated as an [redacted]. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): preapproved exception |  |  | 08/18/2025 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223922307 | [Redacted] | [Redacted] |  | 34212738 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approve exception at origination for landlord management history. Borrower cannot verify [redacted] months of landlord management history in last [redacted]years and does not meet waiver requirements. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Preapproved exception |  |  | 08/18/2025 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223922419 | [Redacted] | [Redacted] |  | 34227235 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([redacted], etc.) not provided |  | Vacation Rental Income Statement ([redacted] etc.) is missing. |  |  |  | Reviewer Comment (2025-08-26): Vacation Rental Income Statement already in the file, exception cleared.<br>Buyer Comment (2025-08-22): business purpose cert<br>Buyer Comment (2025-08-22): warranty deed<br>Buyer Comment (2025-08-22): PC Cert | 08/26/2025 |  |  | 1 C A |  | CO | Investment | Purchase | D A |  | N/A | No |
| 223922419 | [Redacted] | [Redacted] |  | 34227237 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Deeds / Warranty / Grant / Quit-Claim of current owenrship is missing. |  |  |  | Reviewer Comment (2025-08-26): Deed received, exception cleared | 08/26/2025 |  |  | 1 D A |  | CO | Investment | Purchase | D A |  | N/A | No |
| 223922419 | [Redacted] | [Redacted] |  | 34227246 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-26): Business Purpose Certificate received, exception cleared. | 08/26/2025 |  |  | 1 C A |  | CO | Investment | Purchase | D A |  | N/A | No |
| 223922419 | [Redacted] | [Redacted] |  | 34227254 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Lender exception was approved at origination to allow the [redacted] occupancy on the [redacted], and the newest exception for limited fidelity. DSCR of [redacted] with use of [redacted] if gross market rent is used. Borrower is experienced landlord/investor. Homeownership of[redacted]years. Reserves are more than enough to cover funds to close and reserves[redacted] months of reserves when [redacted] are required). Compensating factors are Loan to value [redacted]or more under requirement and long-term home ownership ([redacted] years) |  |  |  | Reviewer Comment (2025-08-26): Short term vacation rental documents received, exception cleared. | 08/26/2025 |  |  | 1 C A |  | CO | Investment | Purchase | D A |  | N/A | No |
| 223922419 | [Redacted] | [Redacted] |  | 34227260 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Provide[redacted] months consecutive months bank statement. |  |  |  | Reviewer Comment (2025-09-05): Account ending #[Redacted] is newly opened bank account. Exception cleared.<br>Buyer Comment (2025-09-04): this is also a new account, please see explanation attached | 09/05/2025 |  |  | 1 C A |  | CO | Investment | Purchase | D A |  | N/A | No |
| 223922419 | [Redacted] | [Redacted] |  | 34227261 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide Evidence of Access to Funds to check borrower ownership in the business. |  |  |  | Reviewer Comment (2025-09-05): Received Evidence of Access to Funds. Exception Cleared.<br>Buyer Comment (2025-09-04): I am providing the articles of organization again showing borrower as sole owner of the business, no other party has access to the funds<br>Reviewer Comment (2025-09-02): Received explanation letter stating that borrower is the sole owner of the business. Provide operating agreement for business account to verify borrower has [Redacted] % ownership. Exception remains.<br>Buyer Comment (2025-08-29): PC Cert<br>Reviewer Comment (2025-08-26): Required Evidence of access to fund for the business account #[Redacted] . Exception remains.<br>Buyer Comment (2025-08-22): access letter | 09/05/2025 |  |  | 1 C A |  | CO | Investment | Purchase | D A |  | N/A | No |
| 223922419 | [Redacted] | [Redacted] |  | 34227268 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Provide [redacted] months consecutive bank statements for account [redacted]from [redacted] and Evidence of access to funds for business account [redacted] |  |  |  | Reviewer Comment (2025-09-02): Account ending with #[Redacted] is a newly opened bank account exception cleared.<br>Buyer Comment (2025-08-29): PC Cert | 09/02/2025 |  |  | 1 C A |  | CO | Investment | Purchase | D A |  | N/A | No |
| 223922682 | [Redacted] | [Redacted] |  | 34227270 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Requesting exception to allow for alternative documentation in lieu of [redacted] transcripts for Borrower 1. Per the attached CPA letter, there was a clerical mistake in filing. This has been addressed and the [redacted] recently filed. Supporting documentation provided CPA letter, [redacted]e-filing acceptance. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with compensating factors. |  |  | 08/19/2025 | 2 B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223922682 | [Redacted] | [Redacted] |  | 34227451 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] | [redacted] Predatory Lending Database Program [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance not provided. |  |  |  | Reviewer Comment (2025-08-25): Certificate of compliance document received. Exception cleared.<br>Buyer Comment (2025-08-21): [Redacted] cert | 08/25/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223922683 | [Redacted] | [Redacted] |  | 34215757 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for: Requesting exception to close transaction in the name of [redacted], Trustee of the[redacted] trust dated [redacted] owned solely by the [redacted] The [redacted] is the managing member of [redacted]. The [redacted] is a revocable living trust; The Trustee of the [redacted] Trust is [redacted]. The Beneficiary of the [redacted] is the [redacted] Trust. The [redacted] Trust is a revocable living trust. Our borrower, [redacted] is the sole trustee and the sole beneficiary of the trust. Attorney Opinion Letter was declined, due to not meeting FNMA & Sig Expanded guidelines which require the settlor to be the trustee and the beneficiary, and our borrower [redacted] is not the trustee. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with compensating factors. |  |  | 08/19/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223922683 | [Redacted] | [Redacted] |  | 34216911 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is not provided and is required due to using electronic delivery. |  |  |  | Reviewer Comment (2025-08-25): E-sign Consent Agreement is received. Exception cleared.<br>Buyer Comment (2025-08-21): econsent | 08/25/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223922716 | [Redacted] | [Redacted] |  | 34228040 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing |  |  |  | Reviewer Comment (2025-08-25): Received Business Purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-21): BPC | 08/25/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 223922716 | [Redacted] | [Redacted] |  | 34228042 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing |  |  |  | Reviewer Comment (2025-08-28): Received updated Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): Fraud Report<br>Reviewer Comment (2025-08-25): Provided [Redacted] Final check report which states only limited checks are performed, and it is not a full [Redacted] report. Provide complete fraud report with full alert and score detail. Exception remains.<br>Buyer Comment (2025-08-21): Fraud Report | 08/28/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 223922725 | [Redacted] | [Redacted] |  | 34228752 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | file is missing Business Purpose certificate |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-21): [redacted] | 08/22/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223922726 | [Redacted] | [Redacted] |  | 34227273 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance verification missing for the REO property. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): [redacted] PL | 08/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223922726 | [Redacted] | [Redacted] |  | 34227275 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted]compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | Finance Charge disclosed is [redacted] Calculated finance charge is [redacted]. Variance of -[redacted] Variance appears to be fee related. |  |  |  | Reviewer Comment (2025-09-11): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-09-10): refund was sent to borrower and delivered [redacted] - [redacted]<br>Reviewer Comment (2025-09-04): Remediation package is not currently in courier data base. Follow up date set.<br>Buyer Comment (2025-09-03): PCCD<br>Reviewer Comment (2025-08-25): [redacted] received rebuttal on fee not underdisclossed by $[redacted] . However, compliance report does not reflect the $[redacted] Title-Title Services Fee-Lender. This appears to be a processing or service fee that would be a finance charge. Provide either Lender Attestation giving the specific services/purpose of the fee to determine if not a finance charge, or cure with Corrected CD, LOE to borrower, copy of cure refund for $[redacted] and proof of mailing. |  | 09/11/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223922726 | [Redacted] | [Redacted] |  | 34227276 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted]which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]. | Finance Charge disclosed is [redacted] Calculated finance charge is [redacted]. Variance of [redacted] Variance appears to be fee related. |  |  |  | Reviewer Comment (2025-09-11): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-09-10): refund was sent to borrower and delivered [redacted] - [redacted]<br>Reviewer Comment (2025-08-25): [redacted] received rebuttal on fee not underdisclossed by $[redacted] . However, compliance report does not reflect the $[redacted] Title-Title Services Fee-Lender. This appears to be a processing or service fee that would be a finance charge. Provide either Lender Attestation giving the specific services/purpose of the fee to determine if not a finance charge, or cure with Corrected CD, LOE to borrower, copy of cure refund for $[redacted] and proof of mailing.<br>Buyer Comment (2025-08-22): PC Cert |  | 09/11/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223922728 | [Redacted] | [Redacted] |  | 34227247 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification, Insurance Verification, Tax Verification are missing for REO -[redacted] |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): Tax & HOA Verif | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223922728 | [Redacted] | [Redacted] |  | 34234315 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum open tradelines per guidelines. |  | Lender approved exception for borrower has one tradeline, at least [redacted] are required (plus alternate credit) to qualify. Lone tradeline is active and has adequate history. Only other tradeline is authorized user account. Borrower qualifying off[redacted] and passive asset.<br> Exception was approved with conditions:<br> Provide [redacted] additional alternative tradeline showing [redacted]All other signature expanded criteria must be met. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-26): The document provided [redacted] shows [redacted] additional tradelines showing [redacted] with [redacted] . [redacted] opened [redacted] no lates and [redacted] . PGE opened [redacted] no lates. please clear condition.<br>Reviewer Comment (2025-08-26): The issue is the file is missing the [redacted] alternative tradelines showing [redacted]<br>Buyer Comment (2025-08-22): Please clarify request or clear, approved exception and additional tradelines ([redacted]) in file. |  |  | 08/28/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223922731 | [Redacted] | [Redacted] |  | 34227354 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-21): business purpose cert | 08/22/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922732 | [Redacted] | [Redacted] |  | 34228247 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing |  |  |  | Reviewer Comment (2025-08-22): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2025-08-20): COGS | 08/22/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 223922732 | [Redacted] | [Redacted] |  | 34228249 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing |  |  |  | Reviewer Comment (2025-08-22): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Buyer Comment (2025-08-20): Operating agreement and articles | 08/22/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 223922733 | [Redacted] | [Redacted] |  | 34227727 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Fraud Report in file. |  |  |  | Reviewer Comment (2025-08-21): Received Fraud report for borrower. Exception cleared.<br>Buyer Comment (2025-08-20): Fraud | 08/21/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922733 | [Redacted] | [Redacted] |  | 34227729 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-20): Business Purpose Cert | 08/21/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922733 | [Redacted] | [Redacted] |  | 34227736 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Missing Cash out utilization in file. |  |  |  | Reviewer Comment (2025-08-21): Received Business Purpose Certificate showing proceeds will be used for business purpose. Exception cleared.<br>Buyer Comment (2025-08-20): Please see business purpose cert uploaded today. | 08/21/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922733 | [Redacted] | [Redacted] |  | 34236412 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage shortfall of[redacted] to meet the loan amount |  |  |  | Reviewer Comment (2025-08-21): Received email correspondence from insurance policy confirming [redacted] % replacement cost. Exception cleared.<br>Buyer Comment (2025-08-20): Please see [redacted] pg [redacted] agent confirmed [redacted] % replacement cost coverage | 08/21/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922737 | [Redacted] | [Redacted] |  | 34228169 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-25): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-21): Business Purpose Cert | 08/25/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 223922737 | [Redacted] | [Redacted] |  | 34228172 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is provided at origination to allow for borrower to purchase subject with no landlord history and no primary home. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Client elects to downgrade and waive with the following compensating factors: <br> Borrower has FICO of [redacted] , exceeds the required reserves by at least [redacted] months <br> Borrower has made at least [redacted] % of their on funds for purchase transaction. |  |  | 08/18/2025 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 223922738 | [Redacted] | [Redacted] |  | 34226705 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Verification of property taxes and homeowners insurance is missing for departure residence to determine monthly payment amount. 1003 reflect property is pending sale, however, file is missing evidence property was sold or any required documents to exclude pending sale property from DTI calculation. |  |  |  | Reviewer Comment (2025-09-25): REO docs received, tax cert property verified from APN no using [redacted] County records.<br>Buyer Comment (2025-09-24): tax cert, 1008, 1003, no hoa loe, pc cert<br>Reviewer Comment (2025-09-24): Departing Residence cannot be excluded from DTI since it was sold after closing and prior to closing documents like listing agreement, contract for sale is not available. valuation not necessary since it was free and clear. As per updated 1008, it seems it was included in DTI. Please provide the tax certificate and Insurance, HOA document if applicable to verify the monthly payment.<br>Buyer Comment (2025-09-23): updated [redacted] reflecting updated assets + supporting bank statements<br>Reviewer Comment (2025-09-05): cleared in error, seller's CD provided dated post closing. Funds were not available at the time of closing.<br>Buyer Comment (2025-09-04): this property was sold and the final CD has been provided.<br>Reviewer Comment (2025-09-04): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br>Reviewer Comment (2025-09-04): Received tax certificate, however, the insurance verification remains missing and HOA if applicable.<br>Buyer Comment (2025-09-02): CD [redacted] | 09/25/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34226714 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Verification of property taxes and homeowners insurance is missing for REO property located on [redacted] to determine monthly payment amount. |  |  |  | Reviewer Comment (2025-09-04): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-09-04): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br>Buyer Comment (2025-09-02): CD [redacted]<br>Reviewer Comment (2025-09-02): Please provide correct bifurcation of HOA amount as it is not matching the monthly amount of $[redacted] . Exception remains.<br>Buyer Comment (2025-08-29): PC Cert<br>Reviewer Comment (2025-08-26): Monthly tax payment updated. Unable to verify insurance or other payment in the amount of $[redacted]<br>Buyer Comment (2025-08-22): [redacted] | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34226751 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | File is missing evidence of sale of departure residence to verify proceeds used as qualifying assets. |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded [redacted] with updated assets + supporting statements<br>Buyer Comment (2025-09-23): [redacted] updated with assets + supporting statements<br>Buyer Comment (2025-09-23): updated [redacted] reflecting updated assets + supporting bank statements<br>Buyer Comment (2025-09-23): [redacted] updated with assets + supporting statements<br>Reviewer Comment (2025-09-05): cleared in error, seller's CD provided dated post closing. Funds were not available at the time of closing.<br>Buyer Comment (2025-09-04): CD was provided on [redacted] , submitting again | 09/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34226763 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is missing evidence of sale of departure residence to verify proceeds used as qualifying assets. |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded [redacted] with updated assets + supporting statements<br>Reviewer Comment (2025-09-05): cleared in error, seller's CD provided dated post closing. Funds were not available at the time of closing. | 09/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34226765 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing evidence of sale of departure residence to verify proceeds used as qualifying assets. |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded [redacted] with updated assets + supporting statements<br>Reviewer Comment (2025-09-05): cleared in error, seller's CD provided dated post closing. Funds were not available at the time of closing.<br>Reviewer Comment (2025-09-04): Unable to utilize proceeds from the sale of the departure home as this occurred post closing. Funds were not available at the time of the subject property closing.<br>Buyer Comment (2025-09-02): CD [redacted] | 09/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34226772 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient verified assets to cover closing costs and reserve requirements. File is missing evidence of sale of departure residence to verify proceeds used as qualifying assets, causing and ATR failure, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded [redacted] with updated assets + supporting statements<br>Reviewer Comment (2025-09-05): Cleared in error. Sale of departure residence occurred post closing. The borrower did not have these funds for the subject transaction.<br>Reviewer Comment (2025-09-05): asset doc provided<br>Reviewer Comment (2025-09-04): Unable to utilize proceeds from the sale of the departure home as this occurred post closing. Funds were not available at the time of the subject property closing.<br>Buyer Comment (2025-09-02): CD [redacted] | 09/24/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223922738 | [Redacted] | [Redacted] |  | 34226773 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient verified assets to cover closing costs and reserve requirements. File is missing evidence of sale of departure residence to verify proceeds used as qualifying assets, causing and ATR failure. |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded [redacted] with updated assets + supporting statements<br>Reviewer Comment (2025-09-05): cleared in error, seller's CD provided dated post closing. Funds were not available at the time of closing.<br>Reviewer Comment (2025-09-05): updated asset documents | 09/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34226774 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Insufficient verified assets to cover closing costs and reserve requirements. File is missing evidence of sale of departure residence to verify proceeds used as qualifying assets, causing and ATR failure. |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Reviewer Comment (2025-09-05): cleared in error, seller's CD provided dated post closing. Funds were not available at the time of closing.<br>Reviewer Comment (2025-09-05): asset doc provided<br>Reviewer Comment (2025-09-04): Unable to utilize proceeds from the sale of the departure home as this occurred post closing. Funds were not available at the time of the subject property closing.<br>Buyer Comment (2025-09-02): CD [redacted] | 09/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34366048 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded [redacted] with updated assets + supporting statements | 09/24/2025 |  |  | 1 A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34366050 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | seller's CD provided dated post closing. Funds were not available at the time of closing. |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded 1008/1003 with updated assets + supporting statements | 09/24/2025 |  |  | 1 A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922738 | [Redacted] | [Redacted] |  | 34366052 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-09-24): Proceeds from Pending Sale of Real Estate is not required for assets. Balance in Checking account as of Note date [redacted] . is $[redacted] . Large deposits verified from [redacted] bank statement.<br>Buyer Comment (2025-09-23): uploaded 1008/1003 with updated assets + supporting statements | 09/24/2025 |  |  | 1 A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922740 | [Redacted] | [Redacted] |  | 34227295 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missing source documentation for gift funds of [redacted] |  |  |  | Reviewer Comment (2025-09-15): Gift letter & wire confirmation associated. Exception cleared.<br>Buyer Comment (2025-09-11): Revised 1003/1008, PCCD/LOX, Gift letter and proof of wire | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223922742 | [Redacted] | [Redacted] |  | 34227800 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-19): [redacted] | 08/20/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 223922742 | [Redacted] | [Redacted] |  | 34227802 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Fraud report for borrower. Exception cleared.<br>Buyer Comment (2025-08-19): Fraud | 08/20/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 223922742 | [Redacted] | [Redacted] |  | 34227851 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for unable to meet the requirements to obtain a landlord history waiver - [redacted] The exception is approved with conditions: maximum [redacted] LTV and subject to meeting all other signature expanded guideline requirements. | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>The DSCR of [redacted]% is greater than the minimum required DSCR of [redacted]% | Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-08-18): Client elects to downgrade and waive with the following compensating factors: <br> Guidelines Representative FICO: [redacted] <br> Representative FICO: [redacted] <br> The DSCR of [redacted] % is greater than the minimum required DSCR of [redacted] % |  |  | 08/18/2025 | 2 B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 223922792 | [Redacted] | [Redacted] |  | 34228710 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Evidence of Insurance for investment property. |  |  |  | Reviewer Comment (2025-08-21): Evidence of Insurance received and details updated. Exception cleared.<br>Buyer Comment (2025-08-20): PITIA Verification | 08/21/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223922792 | [Redacted] | [Redacted] |  | 34228794 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as[redacted] on Loan Estimate dated but disclosed as [redacted] $ on Fnal Closing Disclosure. Insufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-26): TRID Response | 08/27/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223922792 | [Redacted] | [Redacted] |  | 34228795 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as[redacted] on Loan Estimate dated [redacted] but disclosed as [redacted] on Final Closing Disclosure. Insufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-26): Please see breakdown of lender credit provided today. | 08/27/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223922792 | [Redacted] | [Redacted] |  | 34306792 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223922792 | [Redacted] | [Redacted] |  | 34306793 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223922814 | [Redacted] | [Redacted] |  | 34236768 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-26): Tax and insurance docs were provided.<br>Buyer Comment (2025-08-22): Tax and ins verif | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223922832 | [Redacted] | [Redacted] |  | 34229231 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-21): BPL | 08/22/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 223922848 | [Redacted] | [Redacted] |  | 34228131 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-25): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-21): business purpose cert | 08/25/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223922849 | [Redacted] | [Redacted] |  | 34228414 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty Test [redacted] Investment Test | [redacted] : Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Reviewer Comment (2025-09-19): Client elects to waive without compensating factors.<br>Reviewer Comment (2025-09-19): Escalated exception. Response: When considering prepayment penalty testing in [redacted] § [redacted] , overall, only applies to loans secured by a principal residence that are not commercial loans. So, the limitation under [redacted] only applies in that context. Outside of the sorts of loans covered by that section (i.e., non-commercial, principal residence loans) then, you have to see what else applies. In this case, [redacted] seemingly applies so you have to apply that. The limitations under [redacted] states:<br>[redacted] Except as provided in subsection [redacted] of this section, if the loan contract provides for them, the following fees and charges also may be collected and are not interest under this subtitle:<br> [redacted] A prepayment charge or penalty on a prepayment of the unpaid principal balance of the loan, if the loan is secured by a home, by a combination of home and business property, or by agricultural property, or if the loan is a commercial loan not in excess of $[redacted] , provided that the charge or penalty:<br> 1. May be imposed only on prepayments made within [redacted] years from the date the loan is made; and<br> 2. May not exceed an amount equal to [redacted] months' advance interest on the aggregate amount of all prepayments made in any [redacted] - month period in excess of one-third of the amount of the original loan.It is the opinion of our counsel that the "combination of home and business property" language would apply here for non-owner-occupied investment loans and in that instance, the prepay max limitations in [redacted] would apply. While an argument may be made that the loan is a commercial loan over $[redacted] and should therefore not be subject to the limitation, our counsel believes we don't get to a point where you are looking to see whether it "is a commercial loan not in excess of $[redacted] " given the loan meets the "combination of home and business property" category. These are loans made for investment purposes, i.e., non-consumer purposes, and secured by a non-owner-occupied home. The section specifically states that for such loans, you can charge a prepayment penalty assuming you meet the limitations set forth in the section.<br>[redacted] will test to the advice and guidance of our outside counsel which will treat such investment NOO loans as meeting the "combination of home and business property" category and thereby subjecting the loan to the max prepay limitations of [redacted] . If under the max penalty limitations, no exception will be cited. If over the max limitations, the grading for such loans will be dependent on the language within the prepay clause where an [redacted] (non-material) exception will be cited where the "unless otherwise prohibited by law" language is used and cite an [redacted] where the limitations are exceeded, and this language is not present.<br>While there is no prepay limitation on investment business purpose loans under the [redacted] " - [redacted]), in order for the CG Law to apply, there must be a specific election in the loan documents. The law provides that "[i]n order to make a loan under this subtitle [Subtitle [redacted] , the [redacted] Law], a credit grantor shall make a written election to that effect in the agreement, note, or other evidence of the loan." The law further provides that "If a person fails to elect in accordance with this section to extend closed end credit under this subtitle, the provisions of this subtitle do not apply." See [redacted] Law [redacted] .<br>Accordingly, unless the loan documents contain this specific election, the loan would be subject to the Interest and [redacted] Law) and the above prepay restrictions would apply.<br>I will note; however, that we have added new Deal Settings effective [redacted] based on the "limiting" versus "permissive" interpretation of the rule. It seems this loan already has the loan as an [redacted] and so that would be the best grading we can get based on the above guidance from our counsel.<br>[redacted] is an Interest and Usury statute that outlines charges not considered interest under state law. Section [redacted] describes the prepayment penalty requirement, in part, as, ". . .if the loan contract provides for them, the following fees and charges also may be collected and are not interest under this subtitle. . .". [redacted] outside counsel has advised that the above language is best interpreted as being read in parts. That being, (a) you may collect those fees AND (b) those fees that you collect are not interest. This interpretation makes the language more of a limiting provision rather than that of permissive. The "permissive" interpretation would be that while you can charge over the amounts prescribed, only those amounts made under the limits would not be considered interest whereas any amounts charged over the limits would be interest.<br>While our counsel has maintained its position that [redacted] current "limiting" testing methodology is the more appropriate interpretation of the provision (i.e., cite exception if the prepay thresholds are exceeded), they further advised that they felt there was enough ambiguity in the language to interpret the provision under either method. Effective with Deal Start Dates on or after [redacted] , we are providing a deal setting which will provide a client with the flexibility to choose between the current limiting methodology (which will remain the default) or to test using the alternate permissive methodology based on the client's interpretation and/or risk tolerance.<br>1. Limiting Method [redacted] (Default) - § [redacted] is interpreted to mean that prepays are to be collected under the amounts prescribed without exceeding those prescribed limits. An [redacted] exception will be cited for prepays in excess of prescribed limits.<br> 2. Permissive Method [redacted] - § [redacted] is interpreted to mean that while you can charge over the amounts prescribed, only those amounts made under the limits are not considered interest with any amount over the limit to be included as interest. An [redacted] exception will be cited for use of the alternate testing methodology. |  |  | 09/19/2025 | 2 B |  | MD | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223922881 | [Redacted] | [Redacted] |  | 34228559 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Overdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. |  |  |  |  | Reviewer Comment (2025-09-02): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-08-29): PCCD |  | 09/02/2025 |  | 2 C B |  | SC | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223923956 | [Redacted] | [Redacted] |  | 34228543 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-09-02): Received Final Title Policy. Exception Cleared.<br>Buyer Comment (2025-08-29): Policy | 09/02/2025 |  |  | 1 B A |  | NV | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223923956 | [Redacted] | [Redacted] |  | 34228548 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy |  |  |  | Reviewer Comment (2025-09-02): Received Final Title Policy. Exception Cleared. | 09/02/2025 |  |  | 1 A |  | NV | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223923956 | [Redacted] | [Redacted] |  | 34228615 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for borrower receives cash payments on subject property. Lease reflects [redacted] and market rent is [redacted] , showing tenant occupied. [redacted] shows landlord history [redacted] of the last [redacted] with subject property alone. Primary is superior and i uploaded realtor.com and the URLA reflected borrower to occupy and i had conditioned for an LOE/updated URLA. The exception is approved with compensating factor borrower to execute affidavit acknowledging borrower is subject to a post- closing occupancy inspection to verify the subject is tenant and owner occupied. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Miscellaneous | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points<br>The DSCR of [redacted]is greater than the minimum required DSCR of [redacted].<br>Minimal consumer debt. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-08-18): Lender exception with compensating factors. |  |  | 08/18/2025 | 2 B |  | NV | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223923998 | [Redacted] | [Redacted] |  | 34230540 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | A Second Appraisal Fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-09-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-16): per tracking [redacted] , check was delivered yesterday<br>Reviewer Comment (2025-09-08): [redacted] received PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-05): PCCD<br>Reviewer Comment (2025-09-03): [redacted] received COC dated [redacted] with invalid reason. Kindly provide a valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-02): rebuttal<br>Reviewer Comment (2025-08-29): [redacted] received cure document for Appraisal review fee. Kindly provide a valid COC for the fee increased or provide cure for the same. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-28): PCCD |  | 09/17/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223923998 | [Redacted] | [Redacted] |  | 34230541 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | An Appraisal Review Fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-16): per tracking [redacted] , check was delivered yesterday<br>Reviewer Comment (2025-09-08): [redacted] received PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-05): PCCD<br>Reviewer Comment (2025-08-29): [redacted] received Post CD,LOX and proof of mailing. However, the copy of refund check is missing and also [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing and also Copy of refund check required to cure.<br>Buyer Comment (2025-08-28): pccd |  | 09/17/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223925684 | [Redacted] | [Redacted] |  | 34234270 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-19): BPC | 08/20/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223925684 | [Redacted] | [Redacted] |  | 34234310 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for LTV to exceed [redacted] on a cash out short-term rental that has not been rented - borrower purchased property [redacted] and renovated. 1007 in file shows daily rents of [redacted] for average market rents of [redacted] (No vacancy factor taken into account for the market rents) pending [redacted] . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-18): Client elects to downgrade and waive with the following compensating factors: <br> Guidelines Representative FICO: [redacted] <br> Representative FICO: [redacted] <br> Reserves: [redacted] <br> Guideline Requirement: [redacted] |  |  | 08/18/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223925684 | [Redacted] | [Redacted] |  | 34234316 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([redacted] etc.) not provided |  | Rental Income Statement ([redacted]) is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received [redacted] . Condition cleared.<br>Buyer Comment (2025-08-27): Per exception, property has not been rented-borrower purchased property [redacted] and renovated. [redacted] in file shows daily rents of $[redacted] for average market rent of rents of $[redacted]<br>Reviewer Comment (2025-08-20): Provided document does not verify the [redacted] months period rents. Exception Remains.<br>Buyer Comment (2025-08-19): [redacted] | 08/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223925707 | [Redacted] | [Redacted] |  | 34238882 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223925707 | [Redacted] | [Redacted] |  | 34240112 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Note and/or Security Instrument for Bridge Loan with [redacted] is not provided in the file. |  |  |  | Reviewer Comment (2025-08-25): Bridge loan CD received, exception cleared.<br>Buyer Comment (2025-08-21): CD | 08/25/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223925712 | [Redacted] | [Redacted] |  | 34238798 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . The cure provided at closing was not sufficient to cure both issues. |  |  |  | Reviewer Comment (2025-08-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-22): Please clear, the cure on final CD under Section J is sufficient. Initial amount disclosed attached, the LE uses rounding. | 08/25/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223925712 | [Redacted] | [Redacted] |  | 34342316 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223925784 | [Redacted] | [Redacted] |  | 34240176 |  |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Lender Exception Requested and Approved to allow [redacted] LTV with a [redacted] day late mortgage payment from [redacted] . | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Preapproved exception |  |  | 08/19/2025 | 2 B |  | OH | Primary | Purchase | B A | Non QM | Non QM | No |
| 223925789 | [Redacted] | [Redacted] |  | 34239386 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-26): Appraisal Delivery Receipt | 08/28/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223925789 | [Redacted] | [Redacted] |  | 34239387 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal delivery receipt is missing for report dated [redacted] |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-26): Please see appraisal delivery receipt uploaded today. | 08/28/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223925789 | [Redacted] | [Redacted] |  | 34239390 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee on closing disclosure is [redacted] and on loan estimate [redacted] . No Valid Change circumstance in file. |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223925789 | [Redacted] | [Redacted] |  | 34239391 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee on closing disclosure is [redacted] and on loan estimate [redacted] . No Valid Change circumstance in file. |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223925789 | [Redacted] | [Redacted] |  | 34243606 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for a cash-out refinance on a manufactured home property. Conditions include Max [redacted] LTV and subject to all other MH guidelines. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Exception approved with comp factors. |  |  | 08/19/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223925789 | [Redacted] | [Redacted] |  | 34243621 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender Exception Requested and Approved for a [redacted] FICO on a manufactured home property. Guidelines require a [redacted] FICO for Manufactured Housing. Conditions include Max [redacted] LTV and subject to all other [redacted] guidelines. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Exception approved with comp factors. |  |  | 08/19/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223925790 | [Redacted] | [Redacted] |  | 34238378 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-08-27): Fraud report provided.<br>Buyer Comment (2025-08-25): fraud | 08/27/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223925790 | [Redacted] | [Redacted] |  | 34238924 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. Blend Report show consent is pending. |  |  |  | Reviewer Comment (2025-08-27): Esign consent provided.<br>Buyer Comment (2025-08-25): econsent | 08/27/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223925790 | [Redacted] | [Redacted] |  | 34238969 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Incomplete Closing Disclosure provided without an issue date. the print date of [redacted] is considered as issue date for testing purposes. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received rebuttal comment. Incomplete CD (Doc ID[redacted]) removed from testing.<br>Buyer Comment (2025-08-25): That's a title only CD that was not sent to the borrower | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Good Faith Redisclosure C A | Non QM | Non QM | Yes |
| 223925790 | [Redacted] | [Redacted] |  | 34238970 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Incomplete Closing Disclosure provided without an issue date. the print date of [redacted] is considered as issue date for testing purposes. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received rebuttal comment. Incomplete CD (Doc ID[redacted]) removed from testing.<br>Buyer Comment (2025-08-25): title CD that was not provided to the borrower. | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Good Faith Redisclosure C A | Non QM | Non QM | Yes |
| 223925790 | [Redacted] | [Redacted] |  | 34238971 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Incomplete Closing Disclosure provided without an issue date. the print date of [redacted] is considered as issue date for testing purposes. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received rebuttal comment. Incomplete CD (Doc ID [redacted]) removed from testing.<br>Buyer Comment (2025-08-25): title CD that was not provided to the borrower. | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 223925790 | [Redacted] | [Redacted] |  | 34238972 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Incomplete Closing Disclosure provided without an issue date. the print date of [redacted] is considered as issue date for testing purposes. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received rebuttal comment. Incomplete CD (Doc ID [redacted]) removed from testing.<br>Buyer Comment (2025-08-25): The [redacted] and [redacted] CDs are title CDs that were not disclosed to the borrower. | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 223925790 | [Redacted] | [Redacted] |  | 34238973 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Incomplete Closing Disclosures provided without an issue date. the print date of [redacted] are considered as issue date for testing purposes. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received rebuttal comment. Incomplete CD (Doc ID [redacted]) removed from testing.<br>Buyer Comment (2025-08-25): The [redacted] and[redacted] CDs are title CDs that were not disclosed to the borrower. | 08/26/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 223926402 | [Redacted] | [Redacted] |  | 34238266 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to CPA letter or third party verification of employment within [redacted] days prior to the Note date is missing in file. Neither of the business verifications in file are dated. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Receive third party verification that is dated prior to closing.<br>Buyer Comment (2025-09-04): voe<br>Reviewer Comment (2025-08-26): Received post closing verification of business. These compliance exceptions cannot be cleared due to the post closing status. There were no dated verifications for this business prior to closing.<br>Buyer Comment (2025-08-22): [redacted] SOS confirmation with date | 09/08/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223926402 | [Redacted] | [Redacted] |  | 34238267 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statements | Ability to Repay ([redacted]): Unable to verity Bank Statement income due to, bank statement provided was dated more than [redacted] days prior to closing, third party verification provided was dated more than [redacted] days prior to closing, other verification provided was dated more than [redacted] days prior to closing, other verification was not provided from a reliable third party income source. | Waterfall due to CPA letter or third party verification of employment within [redacted] days prior to the Note date is missing in file. Neither of the business verifications in file are dated. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Receive third party verification that is dated prior to closing.<br>Buyer Comment (2025-09-05): vvoe<br>Buyer Comment (2025-09-04): VOE<br>Reviewer Comment (2025-08-26): Received post closing verification of business. These compliance exceptions cannot be cleared due to the post closing status. There were no dated verifications for this business prior to closing.<br>Buyer Comment (2025-08-22): [redacted] associates verification with date submitted | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223926402 | [Redacted] | [Redacted] |  | 34238270 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to CPA letter or third party verification of employment within [redacted] days prior to the Note date is missing in file. Neither of the business verifications in file are dated. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): [redacted] associates verification with date submitted | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223926402 | [Redacted] | [Redacted] |  | 34238272 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223926402 | [Redacted] | [Redacted] |  | 34238274 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | CPA letter or third party verification of employment within [redacted] days prior to the Note date is missing in file. Neither of the business verifications in file are dated. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): [redacted] associates verification with date submitted | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223926402 | [Redacted] | [Redacted] |  | 34238279 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Waterfall due to CPA letter or third party verification of employment within [redacted] days prior to the Note date is missing in file. Neither of the business verifications in file are dated. |  |  |  | Reviewer Comment (2025-08-26): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-22): [redacted] associates verification with date submitted | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223926402 | [Redacted] | [Redacted] |  | 34238280 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to CPA letter or third party verification of employment within [redacted] days prior to the Note date is missing in file. Neither of the business verifications in file are dated. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Receive third party verification that is dated prior to closing. | 09/08/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223926403 | [Redacted] | [Redacted] |  | 34238890 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-08-26): [redacted] received initial LE dated [redacted] .<br>Buyer Comment (2025-08-25): Initial LE | 08/26/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223926403 | [Redacted] | [Redacted] |  | 34296482 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. Fee was disclosed on revised LE dated [redacted] |  |  |  | Reviewer Comment (2025-09-08): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-04): Cure docs |  | 09/08/2025 |  | 2 B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223926543 | [Redacted] | [Redacted] |  | 34238307 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing HOA Verification, Insurance Verification, Tax Verification. |  |  |  | Reviewer Comment (2025-08-27): HOA verification provided<br>Buyer Comment (2025-08-25): reo docs submitted | 08/27/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223926543 | [Redacted] | [Redacted] |  | 34246208 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing tax verification for REO # [redacted] . |  |  |  | Reviewer Comment (2025-08-27): Insurance doc provided<br>Buyer Comment (2025-08-25): reo docs submitted | 08/27/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223926556 | [Redacted] | [Redacted] |  | 34237886 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-21): Non-QM Business Purpose Certificate is provided. Exception cleared.<br>Buyer Comment (2025-08-20): [redacted] | 08/21/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223926569 | [Redacted] | [Redacted] |  | 34246021 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing all documentation related to the [redacted] IRA withdrawal that was indicated to be getting setup on 1008. Need verification of the applicable IRA account(S) with balance to support continuance as well as documentation monthly distribution has been set up and first month received. |  |  |  | Reviewer Comment (2025-08-27): Initial package had bank statement for IRA. Exception cleared.<br>Buyer Comment (2025-08-25): PC Cert | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223926569 | [Redacted] | [Redacted] |  | 34246023 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing documentation for the newly setup IRA distribution of [redacted] /month used to qualify. |  |  |  | Reviewer Comment (2025-08-27): Initial package had bank statement for IRA. Exception cleared. | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223926569 | [Redacted] | [Redacted] |  | 34246032 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to the missing documentation for the IRA distribution, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-08-27): Initial package had bank statement for IRA. Exception cleared. | 08/27/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223926569 | [Redacted] | [Redacted] |  | 34246033 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] finding due to the missing documentation for the IRA distribution. |  |  |  | Reviewer Comment (2025-08-27): Initial package had bank statement for IRA. Exception cleared. | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223926569 | [Redacted] | [Redacted] |  | 34246035 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] finding due to the missing documentation for the IRA distribution. |  |  |  | Reviewer Comment (2025-08-27): Initial package had bank statement for IRA. Exception cleared. | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223928457 | [Redacted] | [Redacted] |  | 34244897 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-09): Appraisal receipt provided.<br>Buyer Comment (2025-09-08): Please apply mailbox rule, per documentation previously submitted, bwr was sent appraisal on[redacted]<br>Reviewer Comment (2025-09-03): Preliminary appraisal dated [redacted] was received [redacted] . Loan closed [redacted] . Appraisal not received [redacted] business days prior to consummation.<br>Buyer Comment (2025-08-29): Please clarify or clear, per [redacted] comment on [redacted], all appraisal receipts received, only outstanding receipt was CDA, which was provided.<br>Reviewer Comment (2025-08-29): Received evidence of the borrower's receipt of the CDA. The remaining issue is the preliminary appraisal. Evidence of the borrower's receipt of the initial appraisal report was not located in the file.<br>Buyer Comment (2025-08-27): Please clear as proof of CDA delivery uploaded today<br>Reviewer Comment (2025-08-26): Appraisal report [redacted] - received [redacted] <br> Appraisal report [redacted] - received [redacted] <br> CDA - missing receipt.<br> Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-08-22): Please see confirmation bwr recvd appraisal and clear. | 09/09/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223928457 | [Redacted] | [Redacted] |  | 34244898 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence in file showing borrower received copy of revised appraisal. |  |  |  | Reviewer Comment (2025-09-09): Appraisal receipt provided.<br>Buyer Comment (2025-09-05): Please apply mailbox rule, borrower was sent appraisal on [redacted] .<br>Reviewer Comment (2025-09-03): Preliminary appraisal dated [redacted] was received[redacted] . Loan closed [redacted] . Appraisal not received [redacted] business days prior to consummation.<br>Buyer Comment (2025-08-29): Please clarify which date you're missing, per previous comment on [redacted] , all delivery receipts received<br>Reviewer Comment (2025-08-29): Received evidence of the borrower's receipt of the CDA. The remaining issue is the preliminary appraisal. Evidence of the borrower's receipt of the initial appraisal report was not located in the file.<br>Buyer Comment (2025-08-27): CDA Delivery<br>Reviewer Comment (2025-08-26): Appraisal report [redacted] - received [redacted] <br> Appraisal report [redacted] - received [redacted] <br> CDA - missing receipt.<br> Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation.<br>Buyer Comment (2025-08-22): Please see pg [redacted] , bwr signed top of report to confirm receipt. | 09/09/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223928457 | [Redacted] | [Redacted] |  | 34244899 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Transfer tax fee amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223928457 | [Redacted] | [Redacted] |  | 34324953 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | UPDATE: Evidence remains missing for proof of borrower's receipt of the preliminary and final appraisal. |  |  |  | Reviewer Comment (2025-08-29): Received required documentation. Condition cleared. | 08/29/2025 |  |  | 1 A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223928465 | [Redacted] | [Redacted] |  | 34242647 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-27): Esign consent provided.<br>Buyer Comment (2025-08-25): Compliance Report | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223928465 | [Redacted] | [Redacted] |  | 34243120 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223928478 | [Redacted] | [Redacted] |  | 34240097 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Mortgage Loan. | Evidence the borrower was provided a copy of appraisal within [redacted] business days prior to consummation is missing. |  |  |  | Reviewer Comment (2025-09-24): Received preliminary appraisal. Condition cleared.<br>Reviewer Comment (2025-09-03): Waivers are not applicable to HPML loans.<br>Buyer Comment (2025-08-29): Waiver uploaded<br>Reviewer Comment (2025-08-28): Received evidence of borrower's receipt of the appraisal, however not at least [redacted] business days prior to closing.<br>Buyer Comment (2025-08-26): Conf appraisal sent to bwr uploaded | 09/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223928478 | [Redacted] | [Redacted] |  | 34240098 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence the borrower was provided a copy of appraisal within [redacted] business days prior to consummation is missing. |  |  |  | Reviewer Comment (2025-09-24): Received preliminary appraisal. Condition cleared.<br>Buyer Comment (2025-09-22): Please see intial appraisal<br>Reviewer Comment (2025-09-03): Waivers are not applicable to HPML loans.<br>Buyer Comment (2025-08-29): Waiver<br>Reviewer Comment (2025-08-28): Received evidence of borrower's receipt of the appraisal, however not at least [redacted] business days prior to closing.<br>Buyer Comment (2025-08-26): Conf sent | 09/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223928478 | [Redacted] | [Redacted] |  | 34240099 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence the borrower was provided a copy of appraisal within [redacted] business days prior to consummation is missing. |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-26): Conf app sent to bwr | 08/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223928478 | [Redacted] | [Redacted] |  | 34240140 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-26): E Consent | 08/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223928478 | [Redacted] | [Redacted] |  | 34539247 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive. |  |  | 10/02/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223928480 | [Redacted] | [Redacted] |  | 34241991 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted] |  |  |  | Reviewer Comment (2025-08-27): Corrected title provided.<br>Buyer Comment (2025-08-25): Title | 08/27/2025 |  |  | 1 B A |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223930289 | [Redacted] | [Redacted] |  | 34243820 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception for - Private Landlord rent verification requires lease and payment history . requesting use of private VOR as payments were made directly to landlord via cash deposit . | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Client elects to downgrade and waive with the following compensating factors: <br> Guidelines Representative FICO: [redacted] <br> Representative FICO: [redacted] <br> Borrower's Own Funds Percent: [redacted] %<br> Borrower's Own Funds Amount: $[redacted] |  |  | 08/19/2025 | 2 B |  | NJ | Investment | Purchase | B A | N/A | N/A | No |
| 223932039 | [Redacted] | [Redacted] |  | 34238548 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Fraud Report is missing in the file. |  |  |  | Reviewer Comment (2025-08-26): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-22): See Fraud Report Uploaded | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223932039 | [Redacted] | [Redacted] |  | 34238550 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in the file. |  |  |  | Reviewer Comment (2025-08-26): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-22): Fraud Report | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223932039 | [Redacted] | [Redacted] |  | 34238552 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Fraud Report is missing in the file. |  |  |  | Reviewer Comment (2025-08-26): Received OFAC in the file. Exception Cleared.<br>Buyer Comment (2025-08-22): See Fraud Report Uploaded | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223932039 | [Redacted] | [Redacted] |  | 34238553 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-26): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-22): Business Purpose Cert | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223932039 | [Redacted] | [Redacted] |  | 34238554 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-26): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-22): See Business Purpose Cert | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223932039 | [Redacted] | [Redacted] |  | 34238602 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | Please Override: Exception has been raised in the file. |  |  |  | Reviewer Comment (2025-08-26): Received OFAC in the file. Exception Cleared.<br>Buyer Comment (2025-08-22): See Fraud Report Uploaded | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223932039 | [Redacted] | [Redacted] |  | 34246259 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Per guidelines one member of the [redacted] is required to guarantee the loan which was not provided. |  |  |  | Reviewer Comment (2025-08-26): Not required.<br>Buyer Comment (2025-08-22): see uploads | 08/26/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223932041 | [Redacted] | [Redacted] |  | 34238345 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate missing from loan file. |  |  |  | Reviewer Comment (2025-08-26): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-25): [redacted] | 08/26/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223932042 | [Redacted] | [Redacted] |  | 34238758 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-22): Received Business Purpose Certificate. Exception cleared<br>Buyer Comment (2025-08-21): [redacted] | 08/22/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223932048 | [Redacted] | [Redacted] |  | 34240113 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use higher existing lease payments vs rent schedule rents for leases that are month to month. To use higher existing lease payments for rents that are greater than [redacted]% of rent schedule rents.<br> Conditions: Max [redacted] LTV<br> Additional [redacted] for [redacted] fee on unit [redacted] should not be used in the calculation<br> Subject to meeting all other [redacted] guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-26): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-22): Please clarify request, approved exception in index. |  |  | 08/26/2025 | 2 C B |  | WA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223932049 | [Redacted] | [Redacted] |  | 34240006 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approve exception for Rate/Term refinance of a first mortgage that includes an additional principal advance that's less than [redacted] month's seasoned, and<br> Private Party VOM in lieu of cancelled checks normally required for non-institutional mortgage holders. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Client elects to downgrade and waive with the following compensating factors: <br> Guidelines Representative FICO: [redacted] <br> Representative FICO: [redacted] <br> Reserves: [redacted] <br> Guideline Requirement: [redacted] |  |  | 08/19/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223932063 | [Redacted] | [Redacted] |  | 34251257 |  |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Evidence gift funds are either in the donor's account or have been transferred from the donor's account to the Applicant is not located in the file. |  |  |  | Reviewer Comment (2025-08-27): wire confirmation was provided.<br>Buyer Comment (2025-08-25): wire transfer | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223932065 | [Redacted] | [Redacted] |  | 34247151 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223932072 | [Redacted] | [Redacted] |  | 34245826 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was disclosed as [redacted] on initial LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-19): Sufficient Cure Provided At Closing |  | 08/19/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| 223932072 | [Redacted] | [Redacted] |  | 34298503 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. | No Lending without Counseling Disclosure and List of Counselors<br> A lender or mortgage broker must deliver, place in the mail, fax or electronically<br> transmit the following notice in at least [redacted] point type to the borrower at the<br> time of application:<br> "You should consider financial counseling prior to executing loan<br> documents. The enclosed list of counselors is provided by the [redacted] <br> [redacted]."<br> In the event of a telephone application, the disclosures must be made<br> immediately after receipt of the application by telephone. The disclosure must be<br> on a separate form. In order to utilize an electronic transmission, the lender or<br> broker must first obtain either written or electronically transmitted permission<br> from the borrower. A list of approved counselors, available from the [redacted] <br> [redacted], must be provided to the borrower by the lender or<br> the mortgage broker at the time that this disclosure is given. |  |  |  | Buyer Comment (2025-10-06): Please waive. |  |  | 10/06/2025 | 2 B |  | NY | Primary | Purchase | No obvious cure A B | Non QM | Non QM | No |
| 223932072 | [Redacted] | [Redacted] |  | 34298504 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of [redacted] Mortgage Market Rate [redacted] . Non-Compliant SubPrime Loan. | No Lending without Counseling Disclosure and List of Counselors<br> A lender or mortgage broker must deliver, place in the mail, fax or electronically<br> transmit the following notice in at least [redacted] point type to the borrower at the<br> time of application:<br> "You should consider financial counseling prior to executing loan<br> documents. The enclosed list of counselors is provided by the [redacted] <br> [redacted]."<br> In the event of a telephone application, the disclosures must be made<br> immediately after receipt of the application by telephone. The disclosure must be<br> on a separate form. In order to utilize an electronic transmission, the lender or<br> broker must first obtain either written or electronically transmitted permission<br> from the borrower. A list of approved counselors, available from the [redacted] <br> [redacted], must be provided to the borrower by the lender or<br> the mortgage broker at the time that this disclosure is given. |  |  |  | Buyer Comment (2025-10-06): Please waive. |  |  | 10/06/2025 | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223932078 | [Redacted] | [Redacted] |  | 34258076 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-26): Business Purpose Certificate received and associated. Exception cleared.<br>Buyer Comment (2025-08-25): business cert | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223932079 | [Redacted] | [Redacted] |  | 34245350 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. |  |  |  | Reviewer Comment (2025-08-29): [redacted] received Letter of Explanation, Proof of Delivery and Corrected CD.<br>Buyer Comment (2025-08-28): pccd |  | 08/29/2025 |  | 2 C B |  | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223932079 | [Redacted] | [Redacted] |  | 34245352 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application |  |  |  | Reviewer Comment (2025-08-26): [redacted] received earliest e-consent dated [redacted] .<br>Buyer Comment (2025-08-25): econsent | 08/26/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223932091 | [Redacted] | [Redacted] |  | 34247025 |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Borrower is Non-Permanent Resident Alien, Missing Passport/ Resident Alien Card/ VISA/ Employment Authorization. |  |  |  | Reviewer Comment (2025-09-02): Revalidated documents and associated driver license. Exception cleared.<br>Buyer Comment (2025-08-29): Per the guidelines only a photo ID is required for ITIN borrowers. photo id is in file. | 09/02/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223932091 | [Redacted] | [Redacted] |  | 34247048 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Missing Verification of Non-US Citizen Status |  |  |  | Reviewer Comment (2025-09-02): Revalidated documents and associated driver license. Exception cleared.<br>Buyer Comment (2025-08-29): Per the guidelines only a photo ID is required for ITIN borrowers. photo id is in file. | 09/02/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223932091 | [Redacted] | [Redacted] |  | 34247052 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223932091 | [Redacted] | [Redacted] |  | 34247053 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223932091 | [Redacted] | [Redacted] |  | 34247070 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to Appraisal Fee. No valid COC provided. |  |  |  | Reviewer Comment (2025-09-24): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-23): PCCD<br>Reviewer Comment (2025-09-02): [redacted] received COC dated [redacted] stating appraisal fee increased due to requesting rush. However, we would require additional information as to what caused the Appraisal to be in rush, provide detail information for the rush request or cure due to the borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-29): COC provided |  | 09/24/2025 |  | 2 C B |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223932091 | [Redacted] | [Redacted] |  | 34247079 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to Recording Fee. No valid COC provided. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received LOE and documents for fee bifurcation on initial LE.<br>Buyer Comment (2025-09-08): recording fees<br>Reviewer Comment (2025-09-02): [redacted] received Changed Circumstance dated [redacted] , but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-29): COC submitted | 09/10/2025 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223932097 | [Redacted] | [Redacted] |  | 34241700 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-26): [redacted] was provided<br>Buyer Comment (2025-08-26): [redacted] | 08/26/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223932097 | [Redacted] | [Redacted] |  | 34241704 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | Lender approved exception for [redacted] buying investment property subject to satisfactory borrower LOE explaining why he's buying an investment property in lieu of a primary residence. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-26): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-26): LOX |  |  | 08/26/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223932097 | [Redacted] | [Redacted] |  | 34241725 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested approved exception for borrower only has [redacted] tradelines and only one alternative (non-housing) tradeline. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-26): Client elected to waive exceptions with compensating factors. |  |  | 08/26/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223932097 | [Redacted] | [Redacted] |  | 34242314 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower does not meet landlord history waiver b/c does not own primary and DSCR <[redacted] <br> Conditions: Borrower must sign certification at closing certifying subject property will not be occupied by himself or by a family member. Document [redacted] months additional reserves above standard reserve requirement. Loan may not contain a PPP. All other signature expanded guidelines must be met. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Client elected to waive exceptions with compensating factors. |  |  | 08/19/2025 | 2 B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223932098 | [Redacted] | [Redacted] |  | 34247110 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-02): Title Final report received & associated. Exception cleared. | 09/02/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223932098 | [Redacted] | [Redacted] |  | 34254016 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-02): Title Final report received & coverage amount updated. Exception cleared.<br>Buyer Comment (2025-08-28): [redacted] | 09/02/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223932099 | [Redacted] | [Redacted] |  | 34242321 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for Non - Warrantable Condo Due to Excessive Single Entity Ownership | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-25): exception docs |  |  | 08/27/2025 | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223932099 | [Redacted] | [Redacted] |  | 34242553 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non escrowed details not disclosed in [redacted] th page of final CD |  |  |  | Reviewer Comment (2025-09-12): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-11): pccd |  | 09/12/2025 |  | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223932099 | [Redacted] | [Redacted] |  | 34242554 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-09-04): [redacted] received COC dated [redacted] .<br>Buyer Comment (2025-09-03): PC Cert<br>Reviewer Comment (2025-08-27): The [redacted] LE is not located in the file.<br>Buyer Comment (2025-08-27): PC Cert | 09/04/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223932102 | [Redacted] | [Redacted] |  | 34239638 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate not provided. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-26): [redacted] | 08/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223932731 | [Redacted] | [Redacted] |  | 34248038 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification missing for the REO Property address. |  |  |  | Reviewer Comment (2025-09-04): Received HOA Verification. Exception cleared.<br>Buyer Comment (2025-09-02): HOA Verification | 09/04/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223932731 | [Redacted] | [Redacted] |  | 34248043 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-28): Esign consent provided.<br>Buyer Comment (2025-08-26): eConsent | 08/28/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223933085 | [Redacted] | [Redacted] |  | 34247274 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-08-26): Supplemental report provided.<br>Buyer Comment (2025-08-25): Supplement | 08/26/2025 |  |  | 1 B A |  | CA | Investment | Purchase | B A | N/A | N/A | No |
| 223933165 | [Redacted] | [Redacted] |  | 34243098 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-25): Received Fraud Report with OFAC. Exception Cleared.<br>Buyer Comment (2025-08-22): Please see fraud report uploaded todayd | 08/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223933165 | [Redacted] | [Redacted] |  | 34243105 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-08-25): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-22): Please see fraud report uploaded todayd | 08/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223933165 | [Redacted] | [Redacted] |  | 34243108 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-25): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-22): Fraud Report w OFAC | 08/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223933165 | [Redacted] | [Redacted] |  | 34243109 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-25): Received Fraud Report with OFAC. Exception Cleared.<br>Buyer Comment (2025-08-22): Please see fraud report uploaded todayd | 08/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223933165 | [Redacted] | [Redacted] |  | 34243121 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for property is subject to a submerged land lease per title schedule [redacted] item [redacted] . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-26): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-22): Please clarify request, approved exception in index. |  |  | 08/26/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223933933 | [Redacted] | [Redacted] |  | 34247825 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of [redacted] does not match calculated P&I of [redacted] . Note P&I was used for the APR calculation and compliance testing. | The Note document shows the loan product type as Interest-Only however the Note did not populate the [redacted] terms including the correct PI payment. A Corrected Note reflecting the [redacted] terms is required. |  |  |  | Reviewer Comment (2025-09-10): updated per Note was provided<br>Buyer Comment (2025-09-08): note | 09/10/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223933933 | [Redacted] | [Redacted] |  | 34247833 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | A corrective note reflecting the [redacted] terms and corrected CDs showing the [redacted] feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-09-01): Promissory note reflects an Interest-Only Period Fixed Rate, but Final CD relfects as a [redacted] year Fixed rate. Note is Doc ID [redacted] .<br>Buyer Comment (2025-08-29): mavent + pc cert |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34247835 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | A corrective note reflecting the [redacted] terms and corrected CDs showing the [redacted] feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-09-08): PCCD, RTC & new note uploaded<br>Buyer Comment (2025-09-08): PCCD + RTC |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34247836 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the Principal and Interest Payment can change. | A corrective note reflecting the [redacted] terms and corrected CDs showing the [redacted] feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-09-08): PCCD & RTC |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34247837 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected [redacted] Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. | A corrective note reflecting the [redacted] terms and corrected CDs showing the [redacted] feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-09-08): PCCD, RTC & new note uploaded |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34247838 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold. | A corrective note reflecting the [redacted] terms and corrected CDs showing the [redacted] feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-09-08): PCCD, RTC & new note uploaded |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34247919 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | A corrective note reflecting the IO terms and corrected CDs showing the IO feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-09-08): PCCD, RTC & new note uploaded<br>Reviewer Comment (2025-09-01): Promissory note reflects an Interest-Only Period Fixed Rate, but Final CD relfects as a [redacted] year Fixed rate. Note is Doc ID [redacted] .<br>Buyer Comment (2025-08-29): mavent + pc cert |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34252166 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Feature Test | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [redacted] did not disclose a Product Feature for a loan that contains a product feature. | A corrective note reflecting the IO terms and corrected CDs showing the IO feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-08): PCCD, RTC & new note uploaded |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34252167 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | A corrective note reflecting the IO terms and corrected CDs showing the IO feature are required. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-08): PCCD, RTC & new note uploaded |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Non QM | Non QM | Yes |
| 223933933 | [Redacted] | [Redacted] |  | 34252226 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  | A corrective note reflecting the IO terms and corrected CDs showing the IO feature are required. |  |  |  | Reviewer Comment (2025-09-10): updated Note was provided<br>Buyer Comment (2025-09-08): PCCD, RTC & new note uploaded | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223934005 | [Redacted] | [Redacted] |  | 34245570 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Tax Verification is missing. |  |  |  | Reviewer Comment (2025-08-26): Insurance and tax doc provided<br>Buyer Comment (2025-08-22): REO tax and ins | 08/26/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934011 | [Redacted] | [Redacted] |  | 34247042 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223934013 | [Redacted] | [Redacted] |  | 34247892 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception unique property type. Property is [redacted] unit that is zoned institutional and is operating as an assisted living facility. Exception is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent o[redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted] P&L w/o Bank Statements<br> Disposable Income:[redacted]<br>Guidelines Representative FICO:[redacted]<br> Representative FICO:[redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-19): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-17): Updated appraisal, please see pages [redacted] and [redacted] of report for requested information.<br>Reviewer Comment (2025-08-26): Appraiser comments and documentation that the subject property is authorized by it's municipality to operate as an assisted living facility per the lender exception approval is not located in the file.<br>Buyer Comment (2025-08-22): Please clarify request, approved exception is in index. |  |  | 09/19/2025 | 2 C B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223934013 | [Redacted] | [Redacted] |  | 34247896 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-09-09): Received Supplemental Title report with policy amount as loan amount. Exception cleared.<br>Buyer Comment (2025-09-05): Supplemental Report | 09/09/2025 |  |  | 1 B A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223934013 | [Redacted] | [Redacted] |  | 34247900 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing in file. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received mortgage statement.<br>Buyer Comment (2025-08-22): Please see [redacted] for mortgage statement. | 08/26/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223934013 | [Redacted] | [Redacted] |  | 34247901 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-26): Econsent provided<br>Buyer Comment (2025-08-22): eConsent | 08/26/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223934592 | [Redacted] | [Redacted] |  | 34250796 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-08-29): Received required documentation. Condition cleared. | 08/29/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934592 | [Redacted] | [Redacted] |  | 34250802 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-08-29): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-29): Policy | 08/29/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934592 | [Redacted] | [Redacted] |  | 34250831 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. |  | D. !. "Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?" was entered as Yes by all [redacted] borrowers. |  |  |  | Reviewer Comment (2025-09-12): Cleared. Received 1003s<br>Buyer Comment (2025-09-10): 1003<br>Reviewer Comment (2025-09-08): The revised final loan applications are not sign by the borrowers.<br>Buyer Comment (2025-09-04): URLA<br>Reviewer Comment (2025-08-29): Received Residential Listing Agreement of REO property [redacted] . Please provide rectified 1003 which shows [redacted] . !. "Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?" as "No" by all the borrowers or supporting documents to verify this undisclosed loan transaction. Exception remains<br>Buyer Comment (2025-08-27): Modification<br>Buyer Comment (2025-08-27): Residential Leasing Agreement - Bridge Loan | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934592 | [Redacted] | [Redacted] |  | 34252165 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Documentation for bridge loan in the amount of [redacted] not provided in file and therefore not included in assets. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received final cd.<br>Buyer Comment (2025-09-04): CD Departing<br>Reviewer Comment (2025-08-29): Received Residential Listing Agreement of REO property[redacted] . Please provide HUD/CD/Note, which reflects amount $[redacted] . Exception remains.<br>Buyer Comment (2025-08-27): Bridge Loan docs uploaded | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934603 | [Redacted] | [Redacted] |  | 34247526 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-05): CDA was provided<br>Buyer Comment (2025-09-03): CDA | 09/05/2025 |  |  | 1 D A |  | GA | Second Home | Purchase | D A | Non QM | Non QM | No |
| 223934603 | [Redacted] | [Redacted] |  | 34247600 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [redacted] percent fee tolerance amount of [redacted] exceeds tolerance of [redacted] due to increase in recording fee. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223934604 | [Redacted] | [Redacted] |  | 34247921 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Missing Secondary Valuation - The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received CDA.<br>Buyer Comment (2025-09-04): CDA | 09/08/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A | Non QM | Non QM | No |
| 223934657 | [Redacted] | [Redacted] |  | 34248787 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved to waive second appraisal required for loan amount > [redacted] . | Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-21): exception |  |  | 08/25/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223934657 | [Redacted] | [Redacted] |  | 34248799 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Lender Exception Requested and Approved to exceed [redacted] LTV per guideline maximum for Loan Amount of [redacted] . | Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with compensating factors. |  |  | 08/25/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223934657 | [Redacted] | [Redacted] |  | 34248800 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. |  | Lender Exception Requested and Approved to exceed guideline maximum of [redacted] | Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with compensating factors. |  |  | 08/25/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223934657 | [Redacted] | [Redacted] |  | 34248881 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Final title policy was not provided. |  |  |  | Reviewer Comment (2025-08-27): General endorsement provided.<br>Buyer Comment (2025-08-25): title | 08/27/2025 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223934659 | [Redacted] | [Redacted] |  | 34247286 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-26): [redacted] | 08/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223934659 | [Redacted] | [Redacted] |  | 34247303 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested to allow landlord waiver with [redacted] DSCR when [redacted] required. The exception is counteroffered to a min DSCR of [redacted] with condition: <br> Minimum [redacted] months reserves and subject to meeting all other signature expanded guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO:[redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors. |  |  | 08/21/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223934661 | [Redacted] | [Redacted] |  | 34248059 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search not disclosed to borrower until final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-08): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-06): package is delivered<br>Reviewer Comment (2025-09-03): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-09-03): Erroneously cured.<br>Reviewer Comment (2025-09-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-02): PCCD |  | 09/08/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223934661 | [Redacted] | [Redacted] |  | 34262097 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The final 1003 for the co-borrower is not located in the file. |  |  |  | Reviewer Comment (2025-09-04): Received Co-borrower's Final 1003. Exception cleared.<br>Buyer Comment (2025-09-02): urla<br>Reviewer Comment (2025-08-28): Final 1003 for co-borrower is missing.<br>Buyer Comment (2025-08-26): URLA | 09/04/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934661 | [Redacted] | [Redacted] |  | 34262217 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | An appraisal or AVM for the departing property is not located in the file. |  |  |  | Reviewer Comment (2025-08-28): AVM was provided<br>Buyer Comment (2025-08-26): AVM | 08/28/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934664 | [Redacted] | [Redacted] |  | 34248294 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement was not provided. |  |  |  | Reviewer Comment (2025-08-27): Cleared. Received E-Sign Consent Agreement.<br>Buyer Comment (2025-08-25): econsent | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934664 | [Redacted] | [Redacted] |  | 34262489 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | An appraisal or AVM for the departing property is not located in the file. |  |  |  | Reviewer Comment (2025-08-27): Received appraisal.<br>Buyer Comment (2025-08-25): appraisal for departing property | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934692 | [Redacted] | [Redacted] |  | 34250079 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-26): Esign consent provided<br>Buyer Comment (2025-08-25): E Consent | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934692 | [Redacted] | [Redacted] |  | 34250080 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-27): Tax and Insurance document provided. Exception cleared.<br>Buyer Comment (2025-08-25): [redacted] | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934692 | [Redacted] | [Redacted] |  | 34250093 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-09-02): Title Policy Amount updated from Final Title Policy. Exception cleared.<br>Buyer Comment (2025-08-28): Policy | 09/02/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934692 | [Redacted] | [Redacted] |  | 34250099 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-09-02): Final Title Policy received. Details verified and updated. Exception cleared. | 09/02/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223934695 | [Redacted] | [Redacted] |  | 34248680 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-09): CDA was provided<br>Buyer Comment (2025-09-05): CDA | 09/09/2025 |  |  | 1 D A |  | VA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| 223934695 | [Redacted] | [Redacted] |  | 34248701 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | Reviewer Comment (2025-09-19): Permanent financing refinance of construction only loan exempt from rescission under Comment [redacted] | 09/19/2025 |  |  | 1 A |  | VA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| 223934695 | [Redacted] | [Redacted] |  | 34248702 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-09-19): Permanent financing refinance of construction only loan exempt from rescission under Comment [redacted]<br>Buyer Comment (2025-09-17): PC Cert<br>Reviewer Comment (2025-08-29): Issue was escalated. Response: It is unclear whether or not the previous loan included permanent financing. I am not seeing evidence of the previous loan that's being paid off on other loan docs, aside from a payoff letter in file from [redacted] ([redacted]) that states there is no construction loan. There is not enough information to determine whether the previous loan was construction-only or construction-permanent. Based on [redacted] discussion with outside counsel, if the subject transaction refinanced permanent financing, it would be considered a standard refinance as opposed to a residential mortgage transaction and would therefore be subject to rescission. If the borrower was not obligated on permanent financing prior to subject transaction, please provide Note/CD from prior transaction or other evidence that loan being satisfied was the initial construction only and that the borrower was not obligated on an existing permanent phase financing. Otherwise, a refinance of an existing permanent phase Note would make the subject transaction a refinance subject to rescission.<br>Buyer Comment (2025-08-27): PC Cert | 09/19/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 223934695 | [Redacted] | [Redacted] |  | 34262711 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient or no tolerance cure was provided. |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223934697 | [Redacted] | [Redacted] |  | 34250785 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223934698 | [Redacted] | [Redacted] |  | 34245654 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing a copy of the final HUD/CD and closing statement. |  |  |  | Reviewer Comment (2025-08-27): Received Final HUD in the file. Exception Cleared.<br>Buyer Comment (2025-08-26): ALTA | 08/27/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223934698 | [Redacted] | [Redacted] |  | 34245655 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-26): Received Business purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-25): cert of business purpose | 08/26/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223934701 | [Redacted] | [Redacted] |  | 34251514 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines state funds from deposit accounts must be in [redacted] Dollar Deposits in institutions located in the [redacted]. The funds fom the XXXX statements provided are in [redacted] Real and the bank is located in [redacted]. |  |  |  | Reviewer Comment (2025-08-28): Received clarification/approval/documentation from lender. Condition cleared.<br>Reviewer Comment (2025-08-28): Received explanation regarding Exhibit A however XXXX is listed with an asterick, "[redacted] branch located in the U.S.", in due diligence guiides.<br>Buyer Comment (2025-08-26): Please see explanation<br>Reviewer Comment (2025-08-25): The funds from the [redacted] statements provided are not located in U.S per guideline requirements. EMD deposits have been verified however EMD can not be used for reserves.<br>Buyer Comment (2025-08-21): Statements and LOX | 08/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223934703 | [Redacted] | [Redacted] |  | 34246845 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-26): fraud report | 08/27/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223934703 | [Redacted] | [Redacted] |  | 34246846 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received Fraud Report in the file. Exception Cleared. | 08/27/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223934704 | [Redacted] | [Redacted] |  | 34257320 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Bank Statement is missing for account no. [redacted] |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-03): bank statement<br>Reviewer Comment (2025-09-02): Received LOX regarding the [redacted] bank account, however the file is missing the consecutive [redacted] months for the statements supporting the transfer of the funds. In addition, a currency conversion would be required for those foreign accounts.<br>Buyer Comment (2025-08-28): LOX<br>Reviewer Comment (2025-08-27): Received bank statement reflects transaction only for [redacted] . Require complete [redacted] months of bank statement. Exception remains.<br>Buyer Comment (2025-08-25): Account [redacted] | 09/05/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223934706 | [Redacted] | [Redacted] |  | 34250553 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification for the property [redacted] not provided. |  |  |  | Reviewer Comment (2025-08-27): REO doc was provided<br>Buyer Comment (2025-08-25): [redacted] | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934706 | [Redacted] | [Redacted] |  | 34250570 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification for the property [redacted] not provided. |  |  |  | Reviewer Comment (2025-08-27): REO doc was provided<br>Buyer Comment (2025-08-25): [redacted] | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934706 | [Redacted] | [Redacted] |  | 34250581 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification for the property [redacted] not provided. |  |  |  | Reviewer Comment (2025-08-27): Supporting doc provided.<br>Buyer Comment (2025-08-25): [redacted] | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934706 | [Redacted] | [Redacted] |  | 34250724 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable. Approved lender exception in file to allow uncompleted concrete work on condo to be permitted is approved. Concrete restoration & roofing needed to be updated in [redacted] . Roofing completed and concrete restoration will be completed in [redacted] . | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has verified disposable income of at least [redacted] | FICO > [redacted] points above program minimum<br>Residual income > $[redacted] | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Exception approval provided, meets buyers waiver policy. |  |  | 08/21/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934707 | [Redacted] | [Redacted] |  | 34247617 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted] |  |  |  | Reviewer Comment (2025-08-27): Title Commitment already provided in file. Exception Cleared.<br>Buyer Comment (2025-08-26): PC Cert | 08/27/2025 |  |  | 1 B A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223934707 | [Redacted] | [Redacted] |  | 34247619 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-26): business purpose cert | 08/27/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223934708 | [Redacted] | [Redacted] |  | 34253503 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification is missing. |  |  |  | Reviewer Comment (2025-08-29): Received Tax verification, Exception cleared.<br>Buyer Comment (2025-08-27): REO tax | 08/29/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223934818 | [Redacted] | [Redacted] |  | 34248122 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provided fraud report missing judgments and liens Report, require complete Fraud report. |  |  |  | Reviewer Comment (2025-08-27): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-25): Fraud Report | 08/27/2025 |  |  | 1 C A |  | KS | Investment | Purchase | C A |  | N/A | No |
| 223934914 | [Redacted] | [Redacted] |  | 34254287 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed disclosed as [redacted] vs actual amount of [redacted] . Variance of [redacted] |  |  |  | Reviewer Comment (2025-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-29): Cure docs |  | 09/01/2025 |  | 2 C B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223934914 | [Redacted] | [Redacted] |  | 34254288 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed as [redacted] of [redacted] actual amount of [redacted] . Variance of [redacted] |  |  |  | Reviewer Comment (2025-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-29): see upload |  | 09/01/2025 |  | 2 C B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223934914 | [Redacted] | [Redacted] |  | 34254289 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Credit report fee disclosed as [redacted] .[redacted] on initial LE and then changed to [redacted] on final CD. No valid change of circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-08-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-27): Please cancel. Lender Credit on final CD. | 08/29/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223934914 | [Redacted] | [Redacted] |  | 34322898 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223934925 | [Redacted] | [Redacted] |  | 34247957 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing. File is missing a current picture ID. |  |  |  | Reviewer Comment (2025-09-03): ITIN was provided.<br>Buyer Comment (2025-08-29): Please clear as ITIN documentation was provided.<br>Reviewer Comment (2025-08-29): Borrower is Non- Permanent resident alien. Require VISA or passport. Exception Remains.<br>Buyer Comment (2025-08-27): Borrower ID | 09/03/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223934925 | [Redacted] | [Redacted] |  | 34247999 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for not being able to provide a current lease at this time for another .[redacted] exception fee. Total for both exceptions are .[redacted] . (initial exception for landlord waiver) Max [redacted] LTV Borrower to sign acknowledgement that they may be subject to post-closing occupancy inspection Subject to credit committee review for occupancy Subject to meeting all other [redacted] guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement:[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors. |  |  | 08/21/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223934944 | [Redacted] | [Redacted] |  | 34255357 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for non-warrantable condo due to critical repairs. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of[redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above[redacted] | Documentation Type[redacted] Full Doc<br> Disposable Income[redacted]<br>Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors. |  |  | 08/21/2025 | 2 B |  | MN | Primary | Purchase | B A | Non QM | Non QM | No |
| 223934949 | [Redacted] | [Redacted] |  | 34253148 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on [redacted] lien mortgage loan. | Final CD shows no escrows on transaction. |  |  |  | Reviewer Comment (2025-09-16): Rate lock date verified from no of dates rate locked and rate lock expiration date.<br>Buyer Comment (2025-09-15): The lock shows the expiration date and the days it is good for, expires [redacted] and good for [redacted] days. This implies the rate set date to be [redacted]<br>Reviewer Comment (2025-09-09): The Rate lock document in the file does not reflect the initial rate lock / Rate accepted date. Please provide CCM rate lock showing the initial rate lock date. Exception remains.<br>Buyer Comment (2025-09-05): lock<br>Reviewer Comment (2025-09-02): The Rate lock document in the file does not reflect the initial rate lock / Rate accepted date. Please provide CCM rate lock showing the initial rate lock date.<br>Buyer Comment (2025-08-28): pc cert | 09/16/2025 |  |  | 1 C A |  | GA | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C B A | Non QM | Non QM | Yes |
| 223934949 | [Redacted] | [Redacted] |  | 34253149 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-16): Rate lock date verified from no of dates rate locked and rate lock expiration date.<br>Buyer Comment (2025-09-15): The lock shows the expiration date and the days it is good for, expires [redacted] and good for [redacted] days. This implies the rate set date to be [redacted]<br>Reviewer Comment (2025-09-09): The Rate lock document in the file does not reflect the initial rate lock / Rate accepted date. Please provide XXXX rate lock showing the initial rate lock date. Exception remains.<br>Buyer Comment (2025-09-05): lock<br>Reviewer Comment (2025-09-02): The Rate lock document in the file does not reflect the initial rate lock / Rate accepted date. Please provide XXXX rate lock showing the initial rate lock date.<br>Buyer Comment (2025-08-28): pc cert | 09/16/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934949 | [Redacted] | [Redacted] |  | 34253150 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to Note |  |  |  | Reviewer Comment (2025-09-02): Appraisal was signed by Borrower on[redacted]<br>Buyer Comment (2025-08-28): PC Cert | 09/02/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934949 | [Redacted] | [Redacted] |  | 34253151 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided in file. |  |  |  | Reviewer Comment (2025-09-16): Rate lock date verified from no of dates rate locked and rate lock expiration date.<br>Buyer Comment (2025-09-15): PC Cert<br>Reviewer Comment (2025-09-09): The Rate lock document in the file does not reflect the initial rate lock / Rate accepted date. Please provide XXXX rate lock showing the initial rate lock date. Exception remains.<br>Buyer Comment (2025-09-05): Lock form<br>Reviewer Comment (2025-09-02): Rate Lock agreement required to clear this exception. Exception remains.<br>Buyer Comment (2025-08-28): pc cert | 09/16/2025 |  |  | 1 B A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934949 | [Redacted] | [Redacted] |  | 34253176 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for an asset qualifier loan whereas bulk of assets are on deposit in an account documented with only [redacted] months statements in lieu of six months statements normally required is approved. | Borrower has verified disposable income of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income > [redacted]<br>FICO [redacted] points above program minimum | Originator Pre-Close,Aggregator,SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2025-08-21): Exception approval provided, meets buyers waiver policy. |  |  | 08/21/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223934995 | [Redacted] | [Redacted] |  | 34247920 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-08-25): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-21): business cert | 08/25/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223935000 | [Redacted] | [Redacted] |  | 34257458 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-08-29): Received required documentation. Condition cleared. | 08/29/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223935000 | [Redacted] | [Redacted] |  | 34257459 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-08-29): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-27): appraisal receipt | 08/29/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223935000 | [Redacted] | [Redacted] |  | 34257461 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to increase of recording fee, Title - Lender's Title Insurance and Title - Settlement/Closing/Escrow Fee.. No valid COC provided, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-08): [redacted] Received Corrected PCCD and LOE moving title fees to Section [redacted].<br>Buyer Comment (2025-09-05): PCCD submitted moving title fees to Section [redacted]. cure is sufficient for the other fees.<br>Reviewer Comment (2025-09-03): [redacted] received PCCD but the provided cure is not sufficient to cover the total required cure. Cure required for increase in [redacted] % fees is $[redacted] due to increase in Settlement fee from $[redacted] to $[redacted] and lender's tittle insurance fee from $[redacted] to $[redacted] . A valid COC or cure would be required.<br>Buyer Comment (2025-09-02): PCCD<br>Reviewer Comment (2025-08-28): [redacted] received rebuttal. However, the fee increased from $[redacted] to $[redacted] . Kindly provide a valid COC for the fee increased or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-27): The recording fee didn't increase. It decreased from $[redacted] to $[redacted] . | 09/08/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223935000 | [Redacted] | [Redacted] |  | 34257462 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-08): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-05): PCCD submitted moving title fees to Section [redacted]. cure is sufficient for the other fees.<br>Reviewer Comment (2025-09-03): [redacted] received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-02): submitted pccd |  | 09/08/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223935000 | [Redacted] | [Redacted] |  | 34257463 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-08): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-05): PCCD submitted moving title fees to Section [redacted]. cure is sufficient for the other fees.<br>Reviewer Comment (2025-09-03): [redacted] received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-02): submitted pccd |  | 09/08/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223935016 | [Redacted] | [Redacted] |  | 34257754 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [redacted] Ben is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Form [redacted] in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): [redacted] | 08/29/2025 |  |  | 1 C A D |  | GA | Investment | Purchase | D A |  | N/A | No |
| 223935017 | [Redacted] | [Redacted] |  | 34254517 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for co-borrower has a [redacted] which is not on the approved list on guidelines for Non permanent resident alien. Co-borrower is the spouse of borrower who holds a [redacted] and no income from the [redacted] holder will be used. | Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly mortgage payment has decreased by at least [redacted]<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors. |  |  | 08/21/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223935017 | [Redacted] | [Redacted] |  | 34254527 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Final CD reflects disbursement date of [redacted], which is less than [redacted] days from transaction date of [redacted]. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received final settlement statement reflecting [redacted] as disbursement date.<br>Buyer Comment (2025-08-22): FSS and ledger showing disbursement date of [redacted] | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223935017 | [Redacted] | [Redacted] |  | 34254528 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Final CD reflects disbursement date of [redacted] and RTC period reflects an expiration date of [redacted].. Documents were not signed until [redacted]. |  |  |  | Reviewer Comment (2025-09-10): Cure documentation received.<br>Buyer Comment (2025-09-06): RTC |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223935023 | [Redacted] | [Redacted] |  | 34248130 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for requesting to use [redacted] that has occupancy score of [redacted]%. Per guidelines, [redacted]% minimum. The market rent per [redacted] is $[redacted]. [redacted] is $[redacted] $[redacted]@ [redacted]% = $[redacted]/month. [redacted] yields much higher DSCR. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>The DSCR of [redacted] is greater than the minimum required DSCR o[redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors. |  |  | 08/21/2025 | 2 B |  | TN | Investment | Purchase | B A |  | N/A | No |
| 223935023 | [Redacted] | [Redacted] |  | 34250618 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for requesting to use VOD in lieu of providing [redacted] months of bank statements. Barely any fluctuation in the account balance per the VOD. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>The DSCR of [redacted] is greater than the minimum required DSCR o[redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors. |  |  | 08/21/2025 | 2 B |  | TN | Investment | Purchase | B A |  | N/A | No |
| 223935024 | [Redacted] | [Redacted] |  | 34254203 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception in file due to Section [redacted]: Manufactured home being less than [redacted] sq. ft [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has verified disposable income of at least [redacted] | FICO[redacted] points above program minimum<br>Residual income[redacted] | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Exception approval provided, meets buyers waiver policy. |  |  | 08/21/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223935024 | [Redacted] | [Redacted] |  | 34254229 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] |  |  |  | Reviewer Comment (2025-09-03): [redacted] received LOX for the survey fee.<br>Buyer Comment (2025-09-02): Memo | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223935029 | [Redacted] | [Redacted] |  | 34248837 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-26): Business Purpose Certificate received and associated. Exception cleared.<br>Buyer Comment (2025-08-25): [redacted] | 08/26/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223935031 | [Redacted] | [Redacted] |  | 34247764 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received fraud report. Exception cleared.<br>Buyer Comment (2025-08-25): fraud | 08/27/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223935031 | [Redacted] | [Redacted] |  | 34247766 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received fraud report. Exception cleared.<br>Buyer Comment (2025-08-25): fraud report uploaded | 08/27/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223935031 | [Redacted] | [Redacted] |  | 34247767 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-09-05): Received HUD. Exception Cleared.<br>Buyer Comment (2025-09-03): final HUD<br>Reviewer Comment (2025-08-27): Received estimated closing Disclosure. Require final HUD/CD. Exception remains.<br>Buyer Comment (2025-08-25): hud | 09/05/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223935031 | [Redacted] | [Redacted] |  | 34247788 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for cannot verify current housing history. [redacted] from borrower and ex husband as well as mortgage on primary are attached. Borrower has a long history of paying multiple mortgage accounts are agreed. The exception is approved with conditions: Max LTV [redacted] %, Borrower to provide evidence of [redacted] months rent/deposit for subject and subject to meeting all other signature expanded guideline requirements. | Borrower has owned the subject property for at least[redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] | Combined Loan to Value: [redacted]<br> Guideline Maximum Combined Loan to Value:[redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-21): Client elects to waive with compensating factors. |  |  | 08/21/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223935076 | [Redacted] | [Redacted] |  | 34254729 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Failure due to missing a [redacted] party verification dated within lender guides verifying co-borrower's dates of operation and good standing. |  |  |  | Reviewer Comment (2025-09-07): Cleared. Income not used to qualify. Received updated 1003 and 1008.<br>Buyer Comment (2025-09-04): 1008 1003. Income removed not needed<br>Reviewer Comment (2025-08-28): Third party verification dated within lender guides verifying co-borrower's dates of operation and good standing for Co-Borrower's K-1 income is not located in the file.<br>Buyer Comment (2025-08-26): CPA License | 09/07/2025 |  |  | 1 B A C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223935076 | [Redacted] | [Redacted] |  | 34254730 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - [redacted] Less [redacted]% | Ability-to-Repay ([redacted]): Unable to verify current [redacted] (Less than [redacted] % Ownership) status using reasonably reliable third-party records. | Failure due to missing a [redacted] party verification dated within lender guides verifying co-borrower's dates of operation and good standing. |  |  |  | Reviewer Comment (2025-09-07): Cleared. Income not used to qualify. Received updated 1003 and 1008.<br>Buyer Comment (2025-09-04): 1008 1003. Income removed not needed<br>Reviewer Comment (2025-08-28): Third party verification dated within lender guides verifying co-borrower's dates of operation and good standing for Co-Borrower's K-1 income is not located in the file.<br>Buyer Comment (2025-08-26): see upload | 09/07/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223935076 | [Redacted] | [Redacted] |  | 34254731 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - [redacted] Less [redacted]% | Ability to Repay ([redacted]): Unable to verify [redacted] (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | Failure due to missing a [redacted] party verification dated within lender guides verifying co-borrower's dates of operation and good standing. |  |  |  | Reviewer Comment (2025-09-07): Cleared. Income not used to qualify. Received updated 1003 and 1008.<br>Buyer Comment (2025-09-04): 1008 1003. Income removed not needed<br>Reviewer Comment (2025-08-28): Third party verification dated within lender guides verifying co-borrower's dates of operation and good standing for Co-Borrower's K-1 income is not located in the file.<br>Buyer Comment (2025-08-26): see upload | 09/07/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223935076 | [Redacted] | [Redacted] |  | 34254733 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Failure due to missing a [redacted] party verification dated within lender guides verifying co-borrower's dates of operation and good standing. |  |  |  | Reviewer Comment (2025-09-07): Cleared. Income not used to qualify. Received updated 1003 and 1008. | 09/07/2025 |  |  | 1 A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223935076 | [Redacted] | [Redacted] |  | 34254734 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-04): Cure docs<br>Reviewer Comment (2025-08-28): [redacted] received Changed Circumstance dated [redacted] , but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-26): Loan Estimate [redacted] captures increase. See COC |  | 09/05/2025 |  | 2 C B |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223935076 | [Redacted] | [Redacted] |  | 34254735 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-28): [redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-26): See Final CD Section [redacted] . Shows Lender Credit for $[redacted] . Please waive | 08/28/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223935076 | [Redacted] | [Redacted] |  | 34264841 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to leave [redacted] taxes due from [redacted] open. To be paid by [redacted]. Unable to downgrade/waive due to missing evidence the $[redacted]estimated taxes from [redacted]cleared the borrower's account is missing as is the evidence from the title company confirming an [redacted] tax lien will not take priority of the subject mortgage. | Borrower has been employed in the same industry for more than[redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of[redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The qualifying DTI on the loan is at least [redacted]less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has been employed in the same industry for more than [redacted] years. | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-02): See uploads |  |  | 09/04/2025 | 2 C B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223935249 | [Redacted] | [Redacted] |  | 34257380 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223938848 | [Redacted] | [Redacted] |  | 34260007 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223938919 | [Redacted] | [Redacted] |  | 34257281 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-29): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-08-27): eConsent | 08/29/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223938946 | [Redacted] | [Redacted] |  | 34257221 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title-Wire/Funding/Disbursement Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-09-12): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-11): delivered<br>Reviewer Comment (2025-09-09): [redacted] received Corrected PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-06): PCCD<br>Reviewer Comment (2025-08-28): [redacted] received COC however the reason mentioned is not valid. The inclusion of a fee within Section [redacted] of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Wire fee was included in Section [redacted] of the most recent LE, the consumer was not allowed to shop, and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-27): COC showing the fees were updated to match the invoice from title |  | 09/12/2025 |  | 2 C B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223938950 | [Redacted] | [Redacted] |  | 34254476 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-25): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-21): business cert | 08/25/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223938950 | [Redacted] | [Redacted] |  | 34254478 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-08-26): Received Final HUD in the file. Exception Cleared.<br>Buyer Comment (2025-08-25): HUD | 08/26/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223939017 | [Redacted] | [Redacted] |  | 34252996 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-27): Business Purpose Cert | 08/28/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 223939774 | [Redacted] | [Redacted] |  | 34258189 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent agreement is missing in the file. |  |  |  | Reviewer Comment (2025-08-29): E-sign Consent agreement received, Exception Cleared<br>Buyer Comment (2025-08-27): econsent | 08/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223939774 | [Redacted] | [Redacted] |  | 34258336 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [redacted] Overdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. | Estimated Property Costs over Year [redacted] of [redacted] on Final CD are over disclosed vs loan summary calculation of $[redacted]. |  |  |  | Reviewer Comment (2025-09-02): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-08-29): pccd |  | 09/02/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223939774 | [Redacted] | [Redacted] |  | 34258338 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted] % or $[redacted] due to $[redacted] recording fee not being disclosed until final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-09-04): FSS<br>Reviewer Comment (2025-09-02): [redacted] received Post CD and LOX. However, we would require True and certified Final SS in order to verify the fees,<br>Buyer Comment (2025-08-29): PCCD submitted |  | 09/05/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223939814 | [Redacted] | [Redacted] |  | 34257890 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Desk Review (CDA) which is provided to borrower on [redacted] is missing in file. |  |  |  | Reviewer Comment (2025-09-15): CDA was provided.<br>Buyer Comment (2025-09-11): CDA<br>Reviewer Comment (2025-09-05): The issue is the borrower was still charged for a CDA for $[redacted] . Evidence of this report and borrowers receipt would be required.<br>Buyer Comment (2025-09-03): Please cancel - the CDA was for an old transferred appraisal (per guidelines), however, a new appraisal was obtained and utilized. The CDA is no longer required or being used.<br>Reviewer Comment (2025-08-28): Loan documents including lender correspondence and the CD indicate that CDA was provided to the borrower hoewever it is not located in the file for due diligence review.<br>Buyer Comment (2025-08-26): CDA not required, appraisal in file | 09/15/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 223939814 | [Redacted] | [Redacted] |  | 34257897 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-04): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-09-02): PCCD<br>Reviewer Comment (2025-08-28): [redacted] received rebuttal, however this exception is for Attorney fee disclosed on sec C of CD and not for appraisal fee. If fee was not required, it should be listed in Section [redacted] instead of section [redacted] . Corrected CD and LOE required to remediate.<br>Buyer Comment (2025-08-26): appraisal fee was only $[redacted] on the final CD was was disclosed with the attached COC. Appraisal invoice also included. The attorney fee was borrower requested as is notated on the CD on the payee line. | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34258520 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Gift Letters are missing for [redacted] gifts in the amount of $[redacted], $[redacted], and $[redacted]. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received gift letters.<br>Reviewer Comment (2025-08-26): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] .<br>Buyer Comment (2025-08-22): Please see gift letters. The $[redacted] gift was split into $[redacted] and $[redacted] . | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258597 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The available Hazard Insurance Policy does not have policy premium amount, also require Replacement Cost Estimator because of Coverage Shortfall. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received RCE.<br>Buyer Comment (2025-08-22): RCE | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258754 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Gift Letters are missing for [redacted] gifts in the amount of $[redacted], $[redacted], and $[redacted]. |  |  |  | Reviewer Comment (2025-09-10): Cleared. Received updated final disclosure.<br>Buyer Comment (2025-09-06): Asset account<br>Reviewer Comment (2025-08-29): Sufficient asset documentation to verify reserves of $[redacted] is not provided. Source documention for funds to close in the amount of $[redacted] and $[redacted] reflected on the CD is not located in the file.<br>Buyer Comment (2025-08-27): Gift letter were provided please clear | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258812 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The disclosed APR [redacted]% is greater than the threshold of APOR [redacted]% |  |  |  | Reviewer Comment (2025-08-29): Received appraisal delivery receipt. | 08/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258813 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-08-29): Received appraisal delivery receipt.<br>Buyer Comment (2025-08-28): Appraisal delivery | 08/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258814 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] dure to asset requirement not met. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34258815 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted]-party records. | [redacted] dure to asset requirement not met. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-09-02): Source documentation for funds to close in the amount of $[redacted] reflected on the Closing Statement is not located in the file. Exception remains.<br>Buyer Comment (2025-08-29): [redacted] account | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258816 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted]-party records. | [redacted] dure to asset requirement not met. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258817 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | [redacted] dure to asset requirement not met. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34258819 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Disclosed Amount Financed are $[redacted]. Due Diligence Amount Financed are $[redacted]. There is a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received final Security instrument.<br>Buyer Comment (2025-09-04): DOT | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34258820 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted]. Due Diligence Finance Charges are $[redacted]. There is a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received final Security instrument. | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34258821 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient cure amount provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-08): [redacted] Received Valid COC dated [redacted] along with supporting documents.<br>Buyer Comment (2025-09-06): please clear DOT was provided<br>Reviewer Comment (2025-08-29): [redacted] received Changed Circumstance dated [redacted] , but it does not give sufficient information on what impacts and why the pricing exception was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing changed to decrease the lender credit and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-28): COC | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34258822 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. | Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees |  |  |  | Reviewer Comment (2025-09-05): [redacted] received final Security instrument. | 09/05/2025 |  |  | 1 A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34258823 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient cure amount provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-18): [redacted] received updated CD and valid changed circumstance.<br>Buyer Comment (2025-09-16): Please see [redacted] CD<br>Buyer Comment (2025-09-16): Please see [redacted] CD<br>Reviewer Comment (2025-09-16): [redacted] agreed that [redacted] CD does not have loan points. However, additional [redacted] [redacted] - day extension fee of $[redacted] added on CD dated [redacted] without VCCs. File contain valid COC dated [redacted] indicates rate lock extension. but there is no CD dated within that time frame. Provide any missing CD to associate with the changed circumstance dated [redacted] or provide changed circumstance for the CD dated [redacted] or cure is required.<br>Buyer Comment (2025-09-12): [redacted] CD does not have loan pts fee, please clear<br>Reviewer Comment (2025-09-10): [redacted] Discount point fee added on CD dated [redacted] without valid COC. COC dated [redacted] provided in file is not within [redacted] days of CD dated [redacted] . Provide COC within [redacted] days of the CD dated [redacted] or provide Cure docs. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-09): CD<br>Reviewer Comment (2025-09-08): [redacted] Received COC dated [redacted] showing extension fee add $[redacted] ; however, corresponding CD not provided in file. Also, additional Extension fee $[redacted] further increased on PCCD and fee increased on PCCD after closing cannot be re-baseline. Provide Cure of $[redacted] . Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-06): please clear DOT was provided<br>Reviewer Comment (2025-08-29): [redacted] received COC dated [redacted] . However, the [redacted] - day extension fee of $[redacted] added on Post CD dated [redacted] and there seems to be no valid COC for the fee was added. Moreover, Fee cannot be re-baselined for increase/added of fee post-closing by a COC. Please provide cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check<br>Buyer Comment (2025-08-28): please see COC | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34258857 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Disclosed Finance Charges are $[redacted]. Due Diligence Finance Charges are $[redacted]. There is a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received final Security instrument.<br>Reviewer Comment (2025-08-29): Received all necessary documents, however proof of borrower's receipt is also required for a cure.<br>Buyer Comment (2025-08-28): LOX<br>Buyer Comment (2025-08-28): CA PerDiem PCCD | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223940035 | [Redacted] | [Redacted] |  | 34261133 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for ineligible property type of [redacted] acres with inactive vineyard and [redacted]. Approved with Max [redacted]% LTV. | Borrower has been employed in the same industry for more than[redacted] years.<br>Borrower has worked in the same position for more than [redacted] years. | Borrower has been employed in the same industry fo[redacted] years. | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-26): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-22): exception |  |  | 08/26/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34261137 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for first payment to be paid prior to closing on IRS payment plan. Approved with Max [redacted]% LTV.] and IRS Payment Plan included in DTI ratio. | Borrower has been employed in the same industry for more than[redacted] years.<br>Borrower has worked in the same position for more than [redacted] years. | Borrower has been employed in the same industry fo[redacted] years. | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-26): Client elects to waive with compensating factors. |  |  | 08/26/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34261216 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted]-party records. | Gift Letters are missing for [redacted] gifts in the amount of $[redacted], $[redacted], and $[redacted]. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-29): Sufficient asset documentation to verify reserves of $[redacted] is not provided. Source documention for funds to close in the amount of $[redacted] and $[redacted] reflected on the CD is not located in the file.<br>Buyer Comment (2025-08-28): Gift letter were provided | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34261217 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted]-party records. | Gift Letters are missing for [redacted] gifts in the amount of $[redacted], $[redacted], and $[redacted]. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-08-29): Sufficient asset documentation to verify reserves of $[redacted] is not provided. Source documention for funds to close in the amount of $[redacted] and $[redacted] reflected on the CD is not located in the file.<br>Buyer Comment (2025-08-28): Gift letters were provided | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34264906 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Gift Letters are missing for [redacted] gifts in the amount of $[redacted], $[redacted], and $[redacted]. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received gift letters. | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34264949 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Assets were not verified as required by the guidelines. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received gift letters. | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34264967 |  |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The guidelines require a gift letter from the donor of the which is missing. |  |  |  | Reviewer Comment (2025-08-26): Received gift letters. | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34264969 |  |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The guidelines require a gift letter from the donor of the which is missing. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received gift letters. | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34264970 |  |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The guidelines require a gift letter from the donor of the which is missing. |  |  |  | Reviewer Comment (2025-08-26): Cleared. Received gift letters. | 08/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34299143 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted]-party records. | Source of funds is not located in the file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34299144 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted]-party records. | Source of funds is not located in the file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34299145 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted]-party records. | Source of funds is not located in the file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940035 | [Redacted] | [Redacted] |  | 34299146 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable [redacted] - party records. | Source of funds is not located in the file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940970 | [Redacted] | [Redacted] |  | 34262197 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for [redacted]% LTV for non-permanent resident vs guideline max of [redacted]% is approved. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least[redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-08-26): Exception |  |  | 08/28/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940970 | [Redacted] | [Redacted] |  | 34271842 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Documentation to verify a [redacted] housing history is not located in the file. |  |  |  | Reviewer Comment (2025-08-28): VOR was provided<br>Buyer Comment (2025-08-26): VOR | 08/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940970 | [Redacted] | [Redacted] |  | 34271916 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | A cash flow analysis or CPA letter stating that the use of the funds from business accounts will not have a material adverse impact on the business' operations is not located in the file. |  |  |  | Reviewer Comment (2025-09-09): CPA letter was provided<br>Buyer Comment (2025-09-05): CPA letter<br>Reviewer Comment (2025-08-28): Unable clear exception. CPA letter doesn't confirm withdrawals from account won't have negative impact.<br>Buyer Comment (2025-08-26): CPA letter | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223940971 | [Redacted] | [Redacted] |  | 34258674 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Disbursement date shown on TIL and final CD as [redacted]. |  |  |  | Reviewer Comment (2025-08-27): Disbursement date shows [redacted] in final closing disclosure. Exception cleared.<br>Buyer Comment (2025-08-25): FSS disbursement date showing [redacted] | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 223940981 | [Redacted] | [Redacted] |  | 34272831 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Individual Taxpayer Identification Number documentation is not located in the file. |  |  |  | Reviewer Comment (2025-08-29): Received Individual Taxpayer Identification Number documentation. Exception cleared.<br>Buyer Comment (2025-08-27): ITIN | 08/29/2025 |  |  | 1 C A D |  | IL | Investment | Purchase | D B A | N/A | N/A | No |
| 223940981 | [Redacted] | [Redacted] |  | 34272914 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for guideline requires [redacted] months of PTIA reserves + [redacted] months PITIA reserves for other REO. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than[redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has worked in the same position for [redacted] years. | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors. |  |  | 08/22/2025 | 2 B |  | IL | Investment | Purchase | D B A | N/A | N/A | No |
| 223941043 | [Redacted] | [Redacted] |  | 34263109 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved for Unable to document housing payment history. Conditioned for [redacted] months reserves, LOE for no rental agreement in place when not residing in [redacted], Buyout to occur at closing. \*\*\*Unable to downgrade/waive. Compensating Factors are not selected on the lender exception approval.\*\*\* | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-09-05): PC Cert<br>Reviewer Comment (2025-09-02): Received duplicate exception documents, however the lenders compensating factors remain missing.<br>Buyer Comment (2025-08-28): exception docs |  |  | 09/09/2025 | 2 C B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223941043 | [Redacted] | [Redacted] |  | 34263170 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223941044 | [Redacted] | [Redacted] |  | 34258801 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee disclosed on initial LE as $[redacted]and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-09): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-05): pccd docs & [redacted] tracking upld |  | 09/09/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223941044 | [Redacted] | [Redacted] |  | 34258802 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit report fee changed from $[redacted] on initial CD to $[redacted] on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-29): please cancel condition, this was cured at closing on final CD, section J. | 09/02/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223941060 | [Redacted] | [Redacted] |  | 34263104 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved to use [redacted]month average [redacted] declining income. Conditions are that income used may not exceed $[redacted] per month. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Documentation Type: [redacted][redacted]<br> Disposable Income: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors. |  |  | 08/22/2025 | 2 B |  | MN | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 223941060 | [Redacted] | [Redacted] |  | 34356130 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223941062 | [Redacted] | [Redacted] |  | 34264890 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing income documentation: [redacted] statement for business account ending in #[redacted] not provided in file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-03): [redacted] Statement<br>Reviewer Comment (2025-09-02): Require business account statement #[redacted] for the month of [redacted] . Provided statement is for the [redacted] . Exception remains.<br>Buyer Comment (2025-08-28): Feb not considered for \*[redacted] , providing [redacted] for \*[redacted] considered in qualifying | 09/05/2025 |  |  | 1 B A C |  | NH | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223941062 | [Redacted] | [Redacted] |  | 34264893 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing income documentation: [redacted] statement for business account ending in #[redacted]not provided in file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-03): Please see [redacted] statement uploaded today<br>Reviewer Comment (2025-09-02): Require business account statement #[redacted] for the month of [redacted] . Provided statement is for the [redacted] . Exception remains.<br>Buyer Comment (2025-08-28): Please see statement uploaded today | 09/05/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223941062 | [Redacted] | [Redacted] |  | 34264901 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to missing income documentation: [redacted] statement for business account ending in #[redacted]not provided in file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-03): Please see [redacted] statement uploaded today<br>Reviewer Comment (2025-09-02): Require business account statement #[redacted] for the month of [redacted] . Provided statement is for the[redacted] . Exception remains.<br>Buyer Comment (2025-08-28): Please see statement uploaded today | 09/05/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223941062 | [Redacted] | [Redacted] |  | 34264948 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [redacted] statement for business account ending in #[redacted]not provided in file. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-03): Please see [redacted] statement uploaded today<br>Reviewer Comment (2025-09-02): Require business account statement #[redacted] for the month of [redacted] . Provided statement is for the [redacted] . Exception remains.<br>Buyer Comment (2025-08-28): Please see statement uploaded today | 09/05/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223941063 | [Redacted] | [Redacted] |  | 34259486 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has requested exception for :<br> - Rate and term refi. Paying off [redacted] hard money construction loans not used to purchase property.<br> Exception has been approved with compensating factor:<br> - Total Debt [redacted]% or more under requirement<br> - Residual Income $[redacted] or more<br> - Long term Home Ownership (>[redacted] years)<br> - Reduction in Housing/Mortgage Payment<br> - Minimal Consumer debt | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>The qualifying DTI on the loan is at least[redacted] less than the guideline maximum. | Documentation Type:[redacted] CPA P&L<br> Disposable Income:[redacted] | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factor. |  |  | 08/22/2025 | 2 C B |  | ID | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223941063 | [Redacted] | [Redacted] |  | 34259532 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Bank statements are missing to verify Asset requirements. |  |  |  | Reviewer Comment (2025-09-10): [redacted] Months bank statement received for account number - [redacted] . Exception cleared.<br>Buyer Comment (2025-09-06): [redacted] statement<br>Reviewer Comment (2025-08-29): Missing [redacted] month consecutive account statement for savings account [redacted] , exception remains.<br>Buyer Comment (2025-08-27): Asset statement | 09/10/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223941063 | [Redacted] | [Redacted] |  | 34259541 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Bank statements are missing to verify Asset requirements. |  |  |  | Reviewer Comment (2025-09-10): [redacted] Months bank statement received for account number - [redacted] . Exception cleared. | 09/10/2025 |  |  | 1 B A C |  | ID | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223941063 | [Redacted] | [Redacted] |  | 34259542 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to Bank statements are missing to verify Asset requirements. |  |  |  | Reviewer Comment (2025-09-10): [redacted] Months bank statement received for account number - [redacted] . Exception cleared. | 09/10/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223941063 | [Redacted] | [Redacted] |  | 34259543 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to Bank statements are missing to verify Asset requirements. |  |  |  | Reviewer Comment (2025-09-10): [redacted] Months bank statement received for account number - [redacted] . Exception cleared. | 09/10/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223941066 | [Redacted] | [Redacted] |  | 34260518 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | EIN is missing for business entity [redacted]. |  |  |  | Reviewer Comment (2025-09-19): Received EIN in the file. Exception Cleared.<br>Buyer Comment (2025-09-18): EIN<br>Reviewer Comment (2025-09-09): Unable to clear. The document provided reflects the state id number. Documentation to verify the federal enity identification number is required.<br>Buyer Comment (2025-09-05): EIN<br>Reviewer Comment (2025-09-02): File would need documentation supporting the use of borrower's social security number for the EIN number.<br>Buyer Comment (2025-08-28): PC Cert | 09/19/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223941066 | [Redacted] | [Redacted] |  | 34260522 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): cert of business purpose | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223941068 | [Redacted] | [Redacted] |  | 34258105 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-26): [redacted] | 08/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223941072 | [Redacted] | [Redacted] |  | 34258480 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided |  |  |  |  |  | Reviewer Comment (2025-08-26): Borrower is signing the note as a member. Member information is not required in the file. Exception Cleared.<br>Buyer Comment (2025-08-25): Our borrower is [redacted] please clear | 08/26/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223941110 | [Redacted] | [Redacted] |  | 34258127 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): Business Purpose Cert | 08/29/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223941110 | [Redacted] | [Redacted] |  | 34258128 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Fraud report in file. |  |  |  | Reviewer Comment (2025-08-29): Received Fraud report. Exception Cleared.<br>Buyer Comment (2025-08-28): Fraud | 08/29/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223941110 | [Redacted] | [Redacted] |  | 34258157 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for DSCR is less than [redacted] with [redacted]% LTV - Including FICO for [redacted] as we can use the higher of the [redacted] borrowers FICOs for DSCR. Loan team would like to utilize the new lease amount of $[redacted]/month to determine DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors. |  |  | 08/22/2025 | 2 B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223941111 | [Redacted] | [Redacted] |  | 34263660 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty Test | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted]. |  |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive.<br>Reviewer Comment (2025-09-08): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] . Prepay language states prepay will not exceed maximum permitted by applicable law.<br>Reviewer Comment (2025-08-29): Unable to clear. LLC borrower is not exempt from prepayment limitation.<br>Buyer Comment (2025-08-27): Although [redacted] passed a law forbidding this type of fee pursuant to [redacted] Prepayment of mortgage loan without penalty, there are certain types of loan products and lenders which this law does not apply.<br> Please be aware that the [redacted] of [redacted] , which was enacted by Congress and codified [redacted] addresses the issue of prepayment penalties. This act basically notes that mortgage products other than fixed rate fixed term fully amortized conventional loans can include a prepayment penalty. This would cover any type of adjustable rate mortgage ("ARM") or mortgage product with a balloon note ("Balloon") for all mortgage loans that closed prior to [redacted] . As federal law preempts [redacted] law, a prepayment penalty on these types of mortgage loan products would be legal.<br> You should be aware that in order to charge a prepayment penalty on an alternative type of mortgage (ARM or Balloon) it needs to be disclosed to the borrower on the Mortgage Note in the section "Borrowers Right to Repay." This section of the Mortgage Note will explain whether there is or is not a prepayment and how the amount of the penalty is calculated. The disclosure of a prepayment penalty can be also found in the Truth-in-Lending statement required by federal law to be sent to a borrower during the application process. This document will have a section titled "Prepayment" and indicate whether you may or will not have to pay a penalty if the loan is paid off early. |  |  | 09/09/2025 | 2 B |  | NJ | Investment | Purchase | B A | N/A | N/A | No |
| 223941120 | [Redacted] | [Redacted] |  | 34264569 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for: 1) v days Lates on [redacted] mortgage [redacted] and [redacted] showing on supplement vs max [redacted] day late allowed per guidelines<br> 2) Borrower owns current mobile home but does not own land. They pay a private party cash rent. No lease or payments in file, only a private party VOR completed through a credit supplement. Unable to downgrade/waive due to missing a signed/dated ACH agreement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has been employed in the same industry for more than[redacted] years.<br>Documentation Type: [redacted] Full Doc<br> Disposable Income: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-19): ACH |  |  | 09/23/2025 | 2 C B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223941120 | [Redacted] | [Redacted] |  | 34264571 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | HPML non-compliant due to missing borrower receipt of appraisal [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-08-29): Received appraisal delivery confirmation<br>Buyer Comment (2025-08-27): appraisal delivered submitted | 08/29/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223941120 | [Redacted] | [Redacted] |  | 34264572 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | HPML non-compliant due to missing borrower receipt of appraisal [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-08-29): Received appraisal delivery confirmation<br>Buyer Comment (2025-08-27): appraisal delivered | 08/29/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223941120 | [Redacted] | [Redacted] |  | 34264574 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223941443 | [Redacted] | [Redacted] |  | 34257885 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-27): Business Purpose Cert | 08/29/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223941443 | [Redacted] | [Redacted] |  | 34257886 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose certificate. Exception Cleared.<br>Buyer Comment (2025-08-27): Please see business purpose cert uploaded today. | 08/29/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223941512 | [Redacted] | [Redacted] |  | 34264944 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-02): Appraisal delivery receipt received. Exception Cleared.<br>Buyer Comment (2025-08-28): PC Cert | 09/02/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| 223941512 | [Redacted] | [Redacted] |  | 34264945 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-09-02): Appraisal delivery receipt received. Exception Cleared.<br>Buyer Comment (2025-08-28): PC Cert | 09/02/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| 223941512 | [Redacted] | [Redacted] |  | 34264946 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial LE was E-signed by both borrower on [redacted] and [redacted], but E-sign disclosure was not signed until [redacted]. |  |  |  | Reviewer Comment (2025-08-29): [redacted] received e-consent dated [redacted]<br>Buyer Comment (2025-08-28): econsent | 08/29/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| 223941519 | [Redacted] | [Redacted] |  | 34266293 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed disclosed as $[redacted] vs actual amount of $[redacted]. Variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-24): [redacted] received Corrected CD & LOE to borrower moving real estate admin fee to correct Section [redacted].<br>Buyer Comment (2025-09-24): PCCD<br>Reviewer Comment (2025-09-17): To cure, the fee should be redisclosed in section [redacted] as it is not a loan cost, an LOE and proof of mailing would be required.<br>Buyer Comment (2025-09-16): PC Cert<br>Reviewer Comment (2025-09-05): Broker fee appears to be a Real Estate Admin Fee as it seems to be paid to the real estate brokerage. However, it is disclosed in section [redacted] as a loan cost resulting in an under disclosed finance charge.<br>Buyer Comment (2025-09-04): PC Cert | 09/24/2025 |  |  | 1 C A |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223941519 | [Redacted] | [Redacted] |  | 34266294 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance charge disclosed as $[redacted] vs actual amount of $[redacted]. Variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-24): [redacted] received Corrected CD & LOE to borrower moving real estate admin fee to correct Section [redacted].<br>Reviewer Comment (2025-09-17): To cure, the fee should be redisclosed in section [redacted] as it is not a loan cost, an LOE and proof of mailing would be required.<br>Buyer Comment (2025-09-16): Please remove the $[redacted] admin fee from the calculations as it is a non APR fee.<br>Reviewer Comment (2025-09-05): Broker fee appears to be a Real Estate Admin Fee as it seems to be paid to the real estate brokerage. However, it is disclosed in section [redacted] as a loan cost resulting in an under disclosed finance charge.<br>Buyer Comment (2025-09-04): PC Cert | 09/24/2025 |  |  | 1 C A |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223941519 | [Redacted] | [Redacted] |  | 34266295 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal desk review fee of $[redacted] not disclosed on initial LE File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-29): PCCD<br>Reviewer Comment (2025-09-17): This fee increased without explanation and a cure is required. Remediation requires PCCD, LOE, Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-16): Please remove the $[redacted] admin fee from the calculations as it is a non APR fee. |  | 10/01/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223941519 | [Redacted] | [Redacted] |  | 34266297 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-09-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-04): PC Cert<br>Reviewer Comment (2025-08-29): [redacted] received COC dated [redacted] whereas the fee again increased on CD dated [redacted] for $[redacted] . Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-28): COC | 09/05/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223941519 | [Redacted] | [Redacted] |  | 34604695 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223941725 | [Redacted] | [Redacted] |  | 34266481 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Subject to appraisal confirming subject is primarily residential in nature with no modifications adversely impacting marketability as a residential property. Borrower to provide a LOE confirming that, 1) no medical care will take place at the facility and 2) they are subject to a post-closing inspection to verify no medical care is being administered at the facility. UW to document that the borrower has no ownership in the business or [redacted]renting the subject property as an elder care facility. Document reserve requirement as within [redacted] UW guidelines Subject to meeting all [redacted] guideline requirements | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-22): Client elected to waive exceptions with compensating factors. |  |  | 08/22/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| 223942169 | [Redacted] | [Redacted] |  | 34266556 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  | Reviewer Comment (2025-09-10): Client elects to waive.<br>Reviewer Comment (2025-09-03): Exception is valid. On business purpose loans made to a business entity other than a corporation, (such as LLCs and LLPs), an exception will be cited as an EV2-B, with client option to override to EV3.<br>Buyer Comment (2025-08-29): Investment property please clear |  |  | 09/10/2025 | 2 B |  | NJ | Investment | Purchase | B A | N/A | N/A | No |
| 223942317 | [Redacted] | [Redacted] |  | 34266372 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for Non-Warrantable Condo due to pending litigation against sponsor/developer for conversion defects and misrepresentation. Conditions include Max [redacted]% LTV, Engineer certification to confirm building is habitable during repairs with no safety concerns. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-28): Please clarify or clear as approved exception in index [redacted] as required engineer certification |  |  | 09/02/2025 | 2 C B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223942317 | [Redacted] | [Redacted] |  | 34266381 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223942435 | [Redacted] | [Redacted] |  | 34266261 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Blend Report shows E-consent pending. E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-29): e-consent was provided<br>Buyer Comment (2025-08-27): econsent | 08/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223942435 | [Redacted] | [Redacted] |  | 34266263 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Certificate and Hazard Insurance are missing for REO on [redacted]. |  |  |  | Reviewer Comment (2025-08-29): Tax cert was provided.<br>Buyer Comment (2025-08-27): reo docs | 08/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223942435 | [Redacted] | [Redacted] |  | 34266274 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Attorney review fee of $[redacted] was not disclosed on LE's or initial Cd. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-04): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-09-03): PCCD<br>Reviewer Comment (2025-08-29): [redacted] received rebuttal comment. However, the attorney's fees borrowers in the amount of $[redacted] disclosed is in section [redacted] under borrower did shop for section and not paid to title services please provide LOE and PCCD to move the fee from section [redacted] to sec [redacted] or Cure would be due to borrower.<br>Buyer Comment (2025-08-27): Attorney review fee is in Section [redacted] indicating it's borrower chosen | 09/04/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223942440 | [Redacted] | [Redacted] |  | 34266393 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Insurance Policy Effective Date is after the disbursement [redacted]. |  |  |  | Reviewer Comment (2025-09-19): Received Letter of Explanation stating no loss or damage to the property. Exception cleared.<br>Buyer Comment (2025-09-18): No loss letter | 09/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223942440 | [Redacted] | [Redacted] |  | 34272871 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $[redacted] are insufficient to meet cash to close of $[redacted].. |  |  |  | Reviewer Comment (2025-08-28): HUD provided<br>Buyer Comment (2025-08-26): CD/HUD | 08/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223942440 | [Redacted] | [Redacted] |  | 34272892 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted]. |  |  |  | Reviewer Comment (2025-08-28): HUD provided | 08/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223942440 | [Redacted] | [Redacted] |  | 34272926 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Missing documentation to verify Bridge Loan - File does not contain Note, Security Instrument, and/or Closing Disclosure. |  |  |  | Reviewer Comment (2025-09-02): Closing disclosure received. Exception Cleared.<br>Buyer Comment (2025-08-28): cd | 09/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223942459 | [Redacted] | [Redacted] |  | 34266919 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $[redacted] are insufficient to meet cash to close of $[redacted]. |  |  |  | Reviewer Comment (2025-10-17): Post Close CD received, Cash to close requirement met, exception cleared.<br>Buyer Comment (2025-10-15): Please re-review. We have documented sufficient funds to close and reserves, your calculation shows us short by $[redacted] but we have provided evidence on final settlement statement that the borrower actually only needed to bring [redacted] k to closing after the [redacted] k gift, instead of the [redacted] k you are mentioning in the condition, and was also issued a refund of over [redacted] k which would further cover any $[redacted] discrepancy.<br>Reviewer Comment (2025-09-30): Total Asset including EMD and Gift funds is $[redacted] does not meet the closing cost and reserves requirement, exception remains.<br>Buyer Comment (2025-09-29): Please see [redacted] Per Diem PCCD & FSS showing refund to borrower to cover $[redacted] shortage in cash to close/reserves outlined in updated exception.<br>Reviewer Comment (2025-09-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] .<br>Reviewer Comment (2025-09-23): The amount of assets available equals $[redacted] which includes assets, gift funds and [redacted] EMDs. The funds to close are $[redacted] which includes funds to close, gift funds, EMD and prepaids. Borrower has insufficient assets to cover the funds to close and reserves.<br>Buyer Comment (2025-09-19): Domestic wire on [redacted] pg [redacted] as source of funds for closing.<br>Reviewer Comment (2025-09-02): Account #[redacted] - $[redacted] balance as of [redacted] , but as of [redacted] , this account balance is only $[redacted] .<br>Account #[redacted] - $[redacted] as of [redacted] was considered for qualification, but as of [redacted] , this account balance is only $[redacted] . <br>Total assets verified from these [redacted] accounts is only $[redacted] which does not cover the cash to close requirement of $[redacted] as per Final Closing Disclosure.<br>Buyer Comment (2025-08-28): Please see exception [redacted] | 10/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223942459 | [Redacted] | [Redacted] |  | 34266928 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  | Reviewer Comment (2025-10-17): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-10-16): PCCD |  | 10/17/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223942459 | [Redacted] | [Redacted] |  | 34266929 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-08-29): [redacted] received disclosures summary for sending LE via [redacted].<br>Buyer Comment (2025-08-28): Initial disclosures mailed | 08/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223942459 | [Redacted] | [Redacted] |  | 34266960 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for all funds to come from Non-Occupant Co-Borrower and waive [redacted]% LTV requirement of own funds from Borrower. <br> Conditioned on [redacted] months reserves PITIA. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Same industry for more than [redacted] years.<br>Disposable Income: [redacted]<br>Same position for more than [redacted]years.<br>DTI: 1[redacted]<br> Guideline Maximum DTI: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-22): Client elected to waive exceptions with compensating factors. |  |  | 08/22/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223942459 | [Redacted] | [Redacted] |  | 34266973 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Calculated Available for Reserves of [redacted]is less than Guideline Available for Reserves of $[redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] | Same industry for more than [redacted] years.<br>Disposable Income: [redacted]<br>Same position for more than [redacted]years.<br>DTI: 1[redacted]<br> Guideline Maximum DTI: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-20): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-10-20): The lender exception states [redacted] months for subject + [redacted] months for each additional property = $[redacted] .<br> Could you have your lender exception corrected?<br>Reviewer Comment (2025-10-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted] .<br>Buyer Comment (2025-10-17): Exception<br>Reviewer Comment (2025-10-17): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted] .<br>Reviewer Comment (2025-10-17): Cash to close requirement met with post close CD but borrower does not have sufficient asset to cover reserves requirement of $[redacted] . Exception remains.<br>Buyer Comment (2025-10-16): Please review with rebuttal submitted [redacted]<br>Reviewer Comment (2025-10-02): Required reserves [redacted] month for subject property's PITIA and [redacted] month reserve of each property's PITIA Other real estate owned. Since borrower multiple REOs additional reserves required. Exception remains.<br>Buyer Comment (2025-09-30): Please verify your calculation for reserve requirement. We are showing [redacted] months required<br>Reviewer Comment (2025-09-30): Total Asset including EMD and Gift funds is $[redacted] does not meet the closing cost and reserves requirement, exception remains.<br>Buyer Comment (2025-09-29): Please see [redacted] Per Diem PCCD & FSS uploaded today.<br>Reviewer Comment (2025-09-02): "Account #[redacted] - $[redacted] balance as of [redacted] , but as of [redacted] , this account balance is only $[redacted] .<br>Account #[redacted] - $[redacted] as of [redacted] was considered for qualification, but as of [redacted] , this account balance is only $[redacted] . <br>Total assets verified from these two accounts is only $[redacted] which does not cover the cash to close requirement of $[redacted] as per Final Closing Disclosure, and there is no funds available for reserves.<br>Buyer Comment (2025-08-28): Please see exception [redacted] |  |  | 10/20/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223942489 | [Redacted] | [Redacted] |  | 34271608 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is an assisted living facility (rooming/boarding house), appraisal in file, too large to upload L O [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than[redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-22): Client elected to waive exceptions with compensating factors. |  |  | 08/22/2025 | 2 B |  | CA | Investment | Refinance - Limited Cash-out GSE | B A | N/A | N/A | No |
| 223943207 | [Redacted] | [Redacted] |  | 34270208 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for Non-Warrantable Condo due to critical repairs, lack of reserves on [redacted] budget, and SEO at [redacted]%. Conditions are Max [redacted]% LTV | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least[redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO:[redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-28): Please clarify request or clear, approved exception in index [redacted] |  |  | 09/02/2025 | 2 C B |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223943536 | [Redacted] | [Redacted] |  | 34272021 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial [redacted] Rate Lock document is missing from the file and is a required document. |  |  |  | Reviewer Comment (2025-09-02): Rate Lock received and verified. Exception cleared.<br>Buyer Comment (2025-08-28): lock | 09/02/2025 |  |  | 1 C A D |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275978 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing. |  |  |  | Reviewer Comment (2025-08-28): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): Formation | 08/28/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275980 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-08-28): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): COGS | 08/28/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275981 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution signed by all the members of the borrowing business entity is missing from the file. |  |  |  | Reviewer Comment (2025-08-28): Received Corporate Resolution signed by all the members of the borrowing business entity in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): Resolution | 08/28/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275982 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) is missing. |  |  |  | Reviewer Comment (2025-08-28): Received Employer Identification Number (EIN) in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): EIN | 08/28/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275983 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is missing. |  |  |  | Reviewer Comment (2025-09-02): Received required documentation. Condition cleared.<br>Buyer Comment (2025-08-28): LOX<br>Reviewer Comment (2025-08-28): In provided hazard insurance policy expiration date of policy is missing. Exception remains.<br>Buyer Comment (2025-08-27): HOI | 09/02/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275984 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing. |  |  |  | Reviewer Comment (2025-08-28): Received Operating Agreement in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): Operating agreement | 08/28/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275986 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Document to Verify of Non-US Citizenship is missing. |  |  |  | Reviewer Comment (2025-09-02): Received Passport. Exception Cleared.<br>Buyer Comment (2025-08-28): Identification | 09/02/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34275987 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [redacted] Months Chain of Title is missing. |  |  |  | Reviewer Comment (2025-09-02): Received Title Commitment in the file. Exception Cleared.<br>Buyer Comment (2025-08-28): title commitment | 09/02/2025 |  |  | 1 C A D |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34276001 |  |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-09-02): Received required documentation. Condition cleared. | 09/02/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943544 | [Redacted] | [Redacted] |  | 34276002 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-09-02): Received required documentation. Condition cleared. | 09/02/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 223943548 | [Redacted] | [Redacted] |  | 34266241 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Initial [redacted] rate lock is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Rate Lock received and verified. Exception cleared.<br>Buyer Comment (2025-08-28): lock form | 09/02/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223944993 | [Redacted] | [Redacted] |  | 34266533 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report. Exception cleared.<br>Buyer Comment (2025-08-29): fraud | 09/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223945241 | [Redacted] | [Redacted] |  | 34266790 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-09-02): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): Business Purpose Cert | 09/02/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223945493 | [Redacted] | [Redacted] |  | 34266777 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-09-02): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-28): BPC | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223945521 | [Redacted] | [Redacted] |  | 34335082 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal review fee of $[redacted] was not disclosed on initial or following LE. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-09-04): aprsl rvw initially disclosed as $[redacted] , final amount charged $[redacted] , see attached coc details & invoice upld | 09/05/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223945521 | [Redacted] | [Redacted] |  | 34351146 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for Non-Warrantable Coop. Critical repairs not yet fully completed, building classified as UNSAFE and Fidelity coverage is insufficient ([redacted]% of [redacted] agency requires.) | Borrower has been employed in the same industry for more than[redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects tow waive with compensating factors. |  |  | 09/03/2025 | 2 B |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223945523 | [Redacted] | [Redacted] |  | 34270258 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-26): Business purpose certificate has been provided.<br>Buyer Comment (2025-08-26): business cert | 08/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223945531 | [Redacted] | [Redacted] |  | 34266660 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-09-02): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): [redacted] | 09/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223945531 | [Redacted] | [Redacted] |  | 34266662 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization letter is missing. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-28): business purpose letter submitted | 08/29/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223945544 | [Redacted] | [Redacted] |  | 34268063 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-09-02): E-Sign agreement received and verified. Exception cleared.<br>Buyer Comment (2025-08-28): econsent | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223945545 | [Redacted] | [Redacted] |  | 34267130 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-26): [redacted] | 08/27/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223945546 | [Redacted] | [Redacted] |  | 34267084 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No valid Change of Circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2025-09-09): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-06): PCCD Cure |  | 09/09/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223945549 | [Redacted] | [Redacted] |  | 34266974 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): Business Purpose Cert | 08/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223945549 | [Redacted] | [Redacted] |  | 34266975 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): Please see business purpose cert uploaded today. | 08/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223945549 | [Redacted] | [Redacted] |  | 34267200 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender request exception for borrower has [redacted] months landlord experience and does not qualify for LL waiver due to [redacted] FICO (vs.[redacted]),[redacted]housing history, unable to document [redacted] months rent receipt prior to application date (as property is vacant and never has been rented.) Lender exception approval has insufficient compensating factors. The low LTV was used, however the max LTV was set at [redacted]% per lender approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of[redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-16): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-12): Updated exception<br>Reviewer Comment (2025-09-02): The only compensating factor provided was the low LTV, however the lender exception maxed the LTV at [redacted] %. Additional compensating factors are needed.<br>Buyer Comment (2025-08-28): Please clarify or clear, approved exception in index |  |  | 09/16/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223945549 | [Redacted] | [Redacted] |  | 34267206 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requesting [redacted]% LTV in lieu of [redacted]% LTV guideline max for Cash-Out Refi of a vacant property by an EAD borrower. Compensating factor is Loan To Value [redacted]% or More under requirement. Lender exception approval has insufficient compensating factors. The low LTV was used, however the max LTV was set at [redacted]% per lender approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of[redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-16): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-02): The only compensating factor provided was the low LTV, however the lender exception maxed the LTV at [redacted] %. Additional compensating factors are needed.<br>Buyer Comment (2025-08-28): Please clarify or clear, approved exception in index |  |  | 09/16/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223945549 | [Redacted] | [Redacted] |  | 34267212 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | property listed for sale prior to, during and up through [redacted] month after the application date. (Taken off market today [redacted] and then relisted toad as "for rent" @$[redacted]/month). Lender exception approval has insufficient compensating factors. The low LTV was used, however the max LTV was set at [redacted]% per lender approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of[redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-16): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-02): The only compensating factor provided was the low LTV, however the lender exception maxed the LTV at [redacted] %. Additional compensating factors are needed.<br>Buyer Comment (2025-08-28): Please clarify or clear, approved exception in index |  |  | 09/16/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223945549 | [Redacted] | [Redacted] |  | 34267228 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | EAD card must be valid and unexpired as of the note date. Exception for expired in EAD card in file. Proof of form [redacted] application in file with receipt number verified on [redacted]. Its appears borrower qualified for an automatic [redacted] days extension per [redacted] and form [redacted]. Lender exception approval has insufficient compensating factors. The low LTV was used, however the max LTV was set at [redacted]% per lender approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of[redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-16): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-02): The only compensating factor provided was the low LTV, however the lender exception maxed the LTV at [redacted] %. Additional compensating factors are needed.<br>Buyer Comment (2025-08-28): Please clarify or clear, approved exception in index |  |  | 09/16/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223945549 | [Redacted] | [Redacted] |  | 34267229 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request Section [redacted]- Properties recently Listed for Sale. Lender exception approval has insufficient compensating factors. The low LTV was used, however the max LTV was set at [redacted]% per lender approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of[redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-16): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-02): The only compensating factor provided was the low LTV, however the lender exception maxed the LTV at [redacted] %. Additional compensating factors are needed.<br>Buyer Comment (2025-08-28): Please clarify or clear, approved exception in index |  |  | 09/16/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223945580 | [Redacted] | [Redacted] |  | 34268953 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-04): LOX, PCCD, Ck Copy, [redacted]<br>Reviewer Comment (2025-08-28): [redacted] received rebuttal comment. The COC referred to is dated [redacted] but, the reason provided on COC does not have sufficient reason for increase in fee. Please provide more information on [redacted] surcharge to validate the reason for change or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-27): Pg [redacted] [redacted] COC provided for increase in fee |  | 09/05/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223945595 | [Redacted] | [Redacted] |  | 34266816 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Certificate not provided for this property. |  |  |  | Reviewer Comment (2025-08-28): Tax cert was provided<br>Buyer Comment (2025-08-26): Taxes | 08/28/2025 |  |  | 1 C A |  | ID | Investment | Purchase | C A | N/A | N/A | No |
| 223945805 | [Redacted] | [Redacted] |  | 34267198 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk review Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. Lender provided sufficient cure to clear the deficit on the Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223946357 | [Redacted] | [Redacted] |  | 34266920 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | HOA Verification for subject is missing in file. |  |  |  | Reviewer Comment (2025-09-10): [redacted] with HOA payment was provided.<br>Buyer Comment (2025-09-08): removed HOA fee | 09/10/2025 |  |  | 1 C A D |  | FL | Investment | Purchase | D A |  | N/A | No |
| 223946359 | [Redacted] | [Redacted] |  | 34266852 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-26): BPC | 08/27/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223946393 | [Redacted] | [Redacted] |  | 34268024 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-27): BPC | 08/28/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223946393 | [Redacted] | [Redacted] |  | 34273758 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for loan amount of $[redacted]- below guideline minimum of $[redacted]is approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with compensating factors. |  |  | 08/25/2025 | 2 B |  | AR | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223946393 | [Redacted] | [Redacted] |  | 34273762 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for borrower being an ITIN first time investor not owning his own property is approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with compensating factors. |  |  | 08/25/2025 | 2 B |  | AR | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223946683 | [Redacted] | [Redacted] |  | 34261808 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The subject is an investment, and the borrower has declared would be residing in the property. |  |  |  | Reviewer Comment (2025-09-02): Updated [redacted] received & associated. Exception cleared.<br>Buyer Comment (2025-08-29): URLA | 09/02/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223947127 | [Redacted] | [Redacted] |  | 34271000 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is missing evidence of the $[redacted]secured loan and proof the $[redacted]EMD cleared the borrower's account. |  |  |  | Reviewer Comment (2025-09-11): Received Heloc Agreement and source document for EMD. exception cleared.<br>Buyer Comment (2025-09-10): Proof of HELOC and EMD<br>Reviewer Comment (2025-08-28): Provided HELOC does not verify the $[redacted] secured loan. Require evidence of the $[redacted] secured loan and proof the $[redacted] EMD cleared the borrower's account. Exception Remains.<br>Buyer Comment (2025-08-27): HELOC | 09/11/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 223947127 | [Redacted] | [Redacted] |  | 34271004 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [redacted]months reserves not provided in file. File is missing evidence of the $[redacted]secured loan and proof the $[redacted]EMD cleared the borrower's account. |  |  |  | Reviewer Comment (2025-09-11): Received Heloc Agreement and source document for EMD. Exception cleared. | 09/11/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 223947127 | [Redacted] | [Redacted] |  | 34271031 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-27): Business cert | 08/28/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 223947362 | [Redacted] | [Redacted] |  | 34271365 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-08-27): Received final closing statement. Exception cleared.<br>Buyer Comment (2025-08-26): FSS | 08/27/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 223947366 | [Redacted] | [Redacted] |  | 34269554 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  |  |  |  |  | Reviewer Comment (2025-09-02): Deeds / Warranty / Grant / Quit-Claim document received and verified. Exception cleared.<br>Buyer Comment (2025-08-28): deed | 09/02/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
| 223947400 | [Redacted] | [Redacted] |  | 34270623 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Closing statement not provided. |  |  |  | Reviewer Comment (2025-08-27): Received Closing statement. Exception Cleared.<br>Buyer Comment (2025-08-26): ALTA | 08/27/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 223947400 | [Redacted] | [Redacted] |  | 34270624 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate not provided. |  |  |  | Reviewer Comment (2025-08-27): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-26): BPC | 08/27/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 223947411 | [Redacted] | [Redacted] |  | 34270424 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-28): BPC | 08/29/2025 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| 223947454 | [Redacted] | [Redacted] |  | 34279474 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Lender Exception requested and approved to allow for incomplete VOR due to uncooperative landlord. Borrower has provided proof for [redacted]month in [redacted]and [redacted]months in [redacted]via[redacted]statements. Condition for max [redacted]% LTV. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-28): Please clarify or clear, approved exception in index. |  |  | 09/02/2025 | 2 C B |  | NY | Investment | Purchase | C B A | N/A | N/A | No |
| 223947465 | [Redacted] | [Redacted] |  | 34272385 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-28): Fraud report<br>Reviewer Comment (2025-08-28): Provided XXXX Final check report which states only limited checks are performed, and it is not a full XXXX report. Provide complete fraud report. Exception remains.<br>Buyer Comment (2025-08-27): Fraud report | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223947465 | [Redacted] | [Redacted] |  | 34272386 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-27): business cert | 08/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223947465 | [Redacted] | [Redacted] |  | 34272387 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Cleared. Received Fraud report. | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223947465 | [Redacted] | [Redacted] |  | 34272388 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Cleared. Received [redacted] | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223947465 | [Redacted] | [Redacted] |  | 34272409 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Cleared. Received [redacted] | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223947465 | [Redacted] | [Redacted] |  | 34278489 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non-warrantable condo due to incidental income. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-06): Exception<br>Reviewer Comment (2025-08-29): Lender exception approval requires [redacted] DSCR however the calculated DSCR is [redacted] .<br>Buyer Comment (2025-08-27): Exception form |  |  | 09/09/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223949569 | [Redacted] | [Redacted] |  | 34275556 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-09-12): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-09-10): PCCD w proof sent & Title attestation | 09/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223949569 | [Redacted] | [Redacted] |  | 34299977 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The estimated settlement statement for the pending real estate sales proceeds is not located in the file. |  |  |  | Reviewer Comment (2025-09-17): received final closing statement. Condition cleared.<br>Buyer Comment (2025-09-16): Final CD from sale<br>Reviewer Comment (2025-09-05): File is still missing the final CD from the sale of the departing residence prior to the subject transaction. Therefore those funds were not available at the time of the subject closing.<br>Buyer Comment (2025-09-03): Settlement Statement | 09/17/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949569 | [Redacted] | [Redacted] |  | 34299998 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The estimated settlement statement for the pending real estate sales proceeds is not located in the file, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-03): Please see settlement statement uploaded today | 09/05/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223949569 | [Redacted] | [Redacted] |  | 34299999 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable third-party records. | The estimated settlement statement for the pending real estate sales proceeds is not located in the file, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-03): Please see settlement statement uploaded today | 09/05/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949569 | [Redacted] | [Redacted] |  | 34300000 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The estimated settlement statement for the pending real estate sales proceeds is not located in the file, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-09-17): received final closing statement. Condition cleared.<br>Buyer Comment (2025-09-16): Please see final signed CD uploaded today<br>Reviewer Comment (2025-09-05): File is still missing the final CD from the sale of the departing residence prior to the subject transaction. Therefore those funds were not available at the time of the subject closing.<br>Buyer Comment (2025-09-03): Please see settlement statement uploaded today | 09/17/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949569 | [Redacted] | [Redacted] |  | 34300001 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | The estimated settlement statement for the pending real estate sales proceeds is not located in the file, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Received required documentation. Condition cleared. | 09/05/2025 |  |  | 1 A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949569 | [Redacted] | [Redacted] |  | 34300036 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | The estimated settlement statement for the pending real estate sales proceeds is not located in the file, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-09-17): received final closing statement. Condition cleared.<br>Buyer Comment (2025-09-16): Please see final signed CD uploaded today<br>Reviewer Comment (2025-09-05): File is still missing the final CD from the sale of the departing residence prior to the subject transaction. Therefore those funds were not available at the time of the subject closing.<br>Buyer Comment (2025-09-03): Please see settlement statement uploaded today | 09/17/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949569 | [Redacted] | [Redacted] |  | 34366538 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | File is still missing the final CD from the sale of the departing residence which is causing insufficient assets for closing/reserves. |  |  |  | Reviewer Comment (2025-09-17): received final closing statement. Condition cleared.<br>Buyer Comment (2025-09-16): Please see final signed CD uploaded today | 09/17/2025 |  |  | 1 A |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223949569 | [Redacted] | [Redacted] |  | 34366553 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | File is still missing the final CD from the sale of the departing residence which is causing insufficient assets for closing/reserves. |  |  |  | Reviewer Comment (2025-09-17): received final closing statement. Condition cleared.<br>Buyer Comment (2025-09-16): Please see final signed CD uploaded today | 09/17/2025 |  |  | 1 A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949607 | [Redacted] | [Redacted] |  | 34275840 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223949607 | [Redacted] | [Redacted] |  | 34275841 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223949611 | [Redacted] | [Redacted] |  | 34276850 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223949611 | [Redacted] | [Redacted] |  | 34281957 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Approved exception in file for ltv up to [redacted]% on a loan with a non-occupant co-borrower where [redacted]% would be the maximum due to the use of fully blended income/assets. Exception approved with compensating factors. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-25): Exception approved with comp factors. |  |  | 08/25/2025 | 2 B |  | NC | Primary | Purchase | B A | Non QM | Non QM | No |
| 223949614 | [Redacted] | [Redacted] |  | 34275789 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for using VOR from Private landlord with no copy of lease or payment increases. Conditions are set at [redacted]% Max LTV, [redacted]Max DTI, VOR [redacted], Verification landlord is not related. Please note statement regarding relationship is not found in the file. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-17): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-15): Please see [redacted] at the bottom where landlord amended and signed that borrower is not relative, and cancel condition.<br>Reviewer Comment (2025-09-09): The letter provided by the borrower does not state they are not related to the borrower as required per the lender exception approval.<br>Buyer Comment (2025-09-06): Addlt comp factor is credit score at [redacted]<br>Reviewer Comment (2025-09-02): Unable to downgrade/waive the exception. The comp factors provided are not sufficient comp factors. Additional comp factors required.<br>Buyer Comment (2025-08-28): Please see [redacted] as verification. |  |  | 09/17/2025 | 2 C B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223949617 | [Redacted] | [Redacted] |  | 34278729 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification and insurance verification are missing for the [redacted] property. |  |  |  | Reviewer Comment (2025-09-03): Received Tax Verification, Insurance Verification and HOA Verification. Exception cleared.<br>Buyer Comment (2025-08-29): reo | 09/03/2025 |  |  | 1 C A |  | WA | Primary | Purchase | D A | Non QM | Non QM | No |
| 223949617 | [Redacted] | [Redacted] |  | 34281228 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Fraud Report is missing from the file and is a required document. |  |  |  | Reviewer Comment (2025-09-03): Received Fraud Report. Exception cleared.<br>Buyer Comment (2025-08-29): fraud | 09/03/2025 |  |  | 1 C A D |  | WA | Primary | Purchase | D A | Non QM | Non QM | No |
| 223949621 | [Redacted] | [Redacted] |  | 34276057 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Blend Report shows Consent pending. E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-03): Received E-consent.<br>Buyer Comment (2025-09-02): econsent | 09/03/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949621 | [Redacted] | [Redacted] |  | 34276060 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Certificate, Insurance verification, HOA verification are missing for departing residence - [redacted]. |  |  |  | Reviewer Comment (2025-09-02): Received documentation of Insurance, Taxes and HOA. Exception cleared.<br>Buyer Comment (2025-08-29): tax and ins | 09/02/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949621 | [Redacted] | [Redacted] |  | 34276067 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date[redacted] is after the Disbursement Date of[redacted]. |  |  |  | Reviewer Comment (2025-09-03): Received revised HOI<br>Buyer Comment (2025-09-02): HOI | 09/03/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949621 | [Redacted] | [Redacted] |  | 34276071 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223949621 | [Redacted] | [Redacted] |  | 34276090 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-09-03): Received fraud report.<br>Buyer Comment (2025-08-29): fraud | 09/03/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949637 | [Redacted] | [Redacted] |  | 34275907 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Final HUD1. Exception cleared.<br>Buyer Comment (2025-08-29): final settlement statement | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223949637 | [Redacted] | [Redacted] |  | 34275917 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for water damage deductible exceeds [redacted]%. The exception is approved with conditions: [redacted]% LTV Max, DSCR min per guidelines, Must meet landlord history waiver requirement and subject to[redacted] price adjustment. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with compensating factors. |  |  | 08/25/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223949639 | [Redacted] | [Redacted] |  | 34277165 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Notice of Settlement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Notice of Settlement Fee on closing disclosure is $[redacted]and on loan estimate $[redacted]. No Valid Change circumstance in file. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-06): PCCD Cure |  | 09/10/2025 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223949640 | [Redacted] | [Redacted] |  | 34275765 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): Business Purpose Cert | 08/29/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223949642 | [Redacted] | [Redacted] |  | 34276116 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-08): CDA was provided<br>Buyer Comment (2025-09-04): CDA | 09/08/2025 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223949647 | [Redacted] | [Redacted] |  | 34275769 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-04): Received Title Final , Exception Cleared | 09/04/2025 |  |  | 1 A |  | WV | Primary | Purchase | B A | Non QM | Non QM | No |
| 223949647 | [Redacted] | [Redacted] |  | 34275816 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-09-04): Received Title Final and coverage amount updated, Exception Cleared<br>Buyer Comment (2025-09-02): title commitment | 09/04/2025 |  |  | 1 B A |  | WV | Primary | Purchase | B A | Non QM | Non QM | No |
| 223949648 | [Redacted] | [Redacted] |  | 34301204 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the prior [redacted]month payment history for the prior mortgage on the borrowers primary residence. |  |  |  | Reviewer Comment (2025-08-29): Cleared. Received hoi policy that indicates no additional interest (parties).<br>Buyer Comment (2025-08-27): property owned free and clear, hoi with not mtgee upld | 08/29/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223949648 | [Redacted] | [Redacted] |  | 34301263 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a current mortgage statement or closing disclosure for the borrower's primary residence for the new mortgage. |  |  |  | Reviewer Comment (2025-08-29): Cleared. Received HELOC agreement.<br>Buyer Comment (2025-08-27): signed loan [redacted] for heloc on primary [redacted] | 08/29/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223949649 | [Redacted] | [Redacted] |  | 34275927 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Missing Fraud Report in file. |  |  |  | Reviewer Comment (2025-09-09): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-09-06): XXXX<br>Reviewer Comment (2025-09-02): Provided XXXX Final Check report which states only limited checks are performed, and it is not full XXXX report. Provide complete fraud report with full alert and score detail. Exception remains.<br>Buyer Comment (2025-08-28): fraud | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223949686 | [Redacted] | [Redacted] |  | 34275962 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted]). | Page [redacted]of Final Closing disclosure is not provided. |  |  |  | Reviewer Comment (2025-10-01): [redacted] received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-09-30): Fed Ex, LOX, PCCD<br>Reviewer Comment (2025-09-30): The Payoff Statement fee is not excluded under [redacted](c)([redacted]) and a cure in the amount of $[redacted]is required. ([redacted]) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> ([redacted]) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> ([redacted]) Notary and credit-report fees.<br> ([redacted]) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> ([redacted]) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-09-29): Testing needs to be updated once updated our numbers should match<br>Reviewer Comment (2025-09-10): [redacted] does view this as a service charge to obtain a payoff statement for the judgement which is required as a requirement of the extension of credit and issue a clean title, thus a service charge and a finance charge.<br>Buyer Comment (2025-09-08): Investor Memo<br>Reviewer Comment (2025-09-02): Amount financed disclosed is $[redacted] . Calculated amount financed is $[redacted]. Variance of $[redacted]. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected Closing disclosure, and Re-open Rescission if Applicable. Exception remains.<br>Buyer Comment (2025-08-29): Final CD uploaded |  | 10/01/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223949686 | [Redacted] | [Redacted] |  | 34275963 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[redacted]). | Page [redacted]of Final Closing disclosure is not provided. |  |  |  | Reviewer Comment (2025-10-01): [redacted] received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-09-30): Fed Ex, LOX, PCCD uploaded<br>Reviewer Comment (2025-09-30): The Payoff Statement fee is not excluded under [redacted](c)([redacted]) and a cure in the amount of $[redacted]is required. ([redacted]) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> ([redacted]) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> ([redacted]) Notary and credit-report fees.<br> ([redacted]) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> ([redacted]) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Reviewer Comment (2025-09-10): [redacted] does view this as a service charge to obtain a payoff statement for the judgement which is required as a requirement of the extension of credit and issue a clean title, thus a service charge and a finance charge.<br>Buyer Comment (2025-09-08): Investor Memo uploaded<br>Reviewer Comment (2025-09-02): Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of $[redacted]. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected Closing disclosure, and Re-open Rescission if Applicable. Exception remains.<br>Buyer Comment (2025-08-29): Final CD |  | 10/01/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 223949686 | [Redacted] | [Redacted] |  | 34275964 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Page [redacted]of Final Closing disclosure is not provided. |  |  |  | Reviewer Comment (2025-09-02): Provided complete final closing disclosure. Updated mortgage payoff amount per closing disclosure on page [redacted] . Exception cleared.<br>Buyer Comment (2025-08-29): Final CD uploaded | 09/02/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Non QM | Non QM | Yes |
| 223949686 | [Redacted] | [Redacted] |  | 34275968 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated Available for Reserves of [redacted]is less than Guideline Available for Reserves of [redacted]months |  |  |  | Reviewer Comment (2025-09-02): Provided complete final closing disclosure. Updated mortgage payoff amount per closing disclosure on page [redacted] . Exception cleared.<br>Buyer Comment (2025-08-29): Cash Out proceeds used to meet reserves, please cancel | 09/02/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223949686 | [Redacted] | [Redacted] |  | 34275988 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated Available for Reserves of [redacted]is less than Guideline Available for Reserves of [redacted]months |  |  |  | Reviewer Comment (2025-09-02): Provided complete final closing disclosure. Updated mortgage payoff amount per closing disclosure on page [redacted] . Exception cleared.<br>Buyer Comment (2025-08-29): Cash Out proceeds used to meet reserves, please cancel | 09/02/2025 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223949686 | [Redacted] | [Redacted] |  | 34275989 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Calculated Available for Reserves of [redacted] is less than Guideline Available for Reserves of [redacted]months |  |  |  | Reviewer Comment (2025-09-02): Provided complete final closing disclosure. Updated mortgage payoff amount per closing disclosure on page [redacted] . Exception cleared.<br>Buyer Comment (2025-08-29): Cash Out proceeds used to meet reserves, please cancel | 09/02/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223949686 | [Redacted] | [Redacted] |  | 34611755 |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights ([redacted]years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted]days to cancel the transaction from date of delivery. |  |  |  | Reviewer Comment (2025-10-07): [redacted] received copy of LOE, unexecuted RTC's and proof borrower opened email of RTC's and reopening of rescission.<br>Buyer Comment (2025-10-07): Proof received<br>Reviewer Comment (2025-10-07): [redacted] received LOE and copies of unexecuted RTC's. Missing proof of delivery to consumers which must have been [redacted] business days prior to the [redacted] cancel by date.<br>Buyer Comment (2025-10-03): RTC<br>Buyer Comment (2025-10-03): Proof RTC received |  | 10/07/2025 |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form C B | Non QM | Non QM | Yes |
| 223949726 | [Redacted] | [Redacted] |  | 34307277 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report not provided. |  |  |  | Reviewer Comment (2025-09-03): Received Credit Report. Exception Cleared.<br>Buyer Comment (2025-09-02): credit report | 09/03/2025 |  |  | 1 D A |  | WA | Investment | Purchase | D A |  | N/A | No |
| 223949726 | [Redacted] | [Redacted] |  | 34307363 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Credit Report not provided. |  |  |  | Reviewer Comment (2025-09-03): Received Credit Report. Exception Cleared.<br>Buyer Comment (2025-09-02): credit report submitted | 09/03/2025 |  |  | 1 C A |  | WA | Investment | Purchase | D A |  | N/A | No |
| 223949734 | [Redacted] | [Redacted] |  | 34275891 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $[redacted]. Please provide hazard insurance with extended replacement cost or replacement cost estimator document. |  |  |  | Reviewer Comment (2025-09-17): Received updated insurance policy. Condition cleared.<br>Buyer Comment (2025-09-16): PC Cert ins coverage<br>Reviewer Comment (2025-09-15): Received updated insurance policy, however the coverage remains short by $[redacted].<br>Buyer Comment (2025-09-11): HOI | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949734 | [Redacted] | [Redacted] |  | 34282100 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Unable to verify monthly taxes and insurance payment for[redacted] |  |  |  | Reviewer Comment (2025-09-15): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-12): PC cert + taxes and hoa | 09/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949741 | [Redacted] | [Redacted] |  | 34276457 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [redacted] Initial Rate Lock document is missing file. |  |  |  | Reviewer Comment (2025-09-02): Provided Initial rate lock. Exception cleared.<br>Buyer Comment (2025-08-29): lock | 09/02/2025 |  |  | 1 C A D |  | FL | Investment | Purchase | D A |  | N/A | No |
| 223949743 | [Redacted] | [Redacted] |  | 34276347 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): [redacted] | 09/02/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223949743 | [Redacted] | [Redacted] |  | 34276348 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-28): [redacted] submitted on other condition | 08/29/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223949745 | [Redacted] | [Redacted] |  | 34276006 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-08-29): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): [redacted] | 08/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223949745 | [Redacted] | [Redacted] |  | 34276214 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Landlord waiver but counteroffered to meet:<br> Minimum [redacted]DSCR<br> Borrower to meet minimum [redacted]% contribution<br> Gift funds may not be used towards reserves<br> Subject to meeting all other signature expanded guideline requirements.<br>Unable to clear exception. Exception allows for [redacted]% max LTV however calculated LYV is [redacted]%. |  |  |  | Reviewer Comment (2025-09-03): Cleared. Received updated lender exception reflecting withdrawn status.<br>Buyer Comment (2025-08-29): Withdrawn exception<br>Buyer Comment (2025-08-29): Condition is invalid - please cancel - the reasons for the exception no longer apply to the file - exception was previously withdrawn - file is Signature [redacted] program and there are no exceptions allowed. DSCR is over [redacted] and there is no landlord/management history required - see withdrawn exception | 09/03/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223949912 | [Redacted] | [Redacted] |  | 34276030 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The CPA Letter is not provided in the file. Provide a CPA letter on the Bank statement program to verify the borrower's ownership % and length of employment. |  |  |  | Reviewer Comment (2025-09-22): Received Cash Flow Analysis, [redacted] Party Verification with effective date is in file and borrower's ownership percentage is provided on income worksheet. Exception cleared.<br>Buyer Comment (2025-09-19): Please see [redacted] [redacted] [redacted] for effective date of business entity. Please also see [redacted] showing only one individual<br>Reviewer Comment (2025-09-15): [redacted]/EA/licensed tax preparer letter must be provided validating the ownership interest in the business. Exception remains<br>Buyer Comment (2025-09-12): investor cash flow analysis has been submitted<br>Reviewer Comment (2025-09-04): Cash flow analysis isn't in file, only [redacted] income worksheet was provided in initial package.<br>Buyer Comment (2025-09-02): PC Cert | 09/22/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949912 | [Redacted] | [Redacted] |  | 34276056 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Tax verification and Insurance verification for the property [redacted]. |  |  |  | Reviewer Comment (2025-09-04): Tax [redacted] was provided.<br>Buyer Comment (2025-09-02): taxes and [redacted] | 09/04/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949912 | [Redacted] | [Redacted] |  | 34276062 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The CPA Letter is not provided in the file. Provide a CPA letter on the Bank statement program to verify the borrower's ownership % and length of employment. |  |  |  | Reviewer Comment (2025-09-22): Received Cash Flow Analysis, [redacted] Party Verification with effective date is in file and borrower's ownership percentage is provided on income worksheet. Exception cleared.<br>Buyer Comment (2025-09-19): Please see [redacted] [redacted] [redacted]for effective date of business entity. Please also see [redacted] showing only one individual<br>Reviewer Comment (2025-09-15): [redacted]/EA/licensed tax preparer letter must be provided validating the ownership interest in the business. Exception remains<br>Buyer Comment (2025-09-12): investor cash flow analysis has been submitted | 09/22/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223949912 | [Redacted] | [Redacted] |  | 34276063 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | The CPA Letter is not provided in the file. Provide a CPA letter on the Bank statement program to verify the borrower's ownership % and length of employment. |  |  |  | Reviewer Comment (2025-09-22): Received Cash Flow Analysis, [redacted] Party Verification with effective date is in file and borrower's ownership percentage is provided on income worksheet. Exception cleared.<br>Buyer Comment (2025-09-19): Please see [redacted] [redacted] [redacted]for effective date of business entity. Please also see [redacted] showing only one individual<br>Reviewer Comment (2025-09-15): [redacted]/EA/licensed tax preparer letter must be provided validating the ownership interest in the business. Exception remains<br>Buyer Comment (2025-09-12): investor cash flow analysis has been submitted<br>Reviewer Comment (2025-09-04): Documentation to determine the borrower's percentage of ownership of the business and length of employment is not located in the file.<br>Buyer Comment (2025-09-02): PC Cert | 09/22/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223949912 | [Redacted] | [Redacted] |  | 34300829 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter confirming withdrawals from account won't have negative impact or cash flow analysis was not provided |  |  |  | Reviewer Comment (2025-09-22): Received Cash Flow Analysis, [redacted] Party Verification with effective date is in file and borrower's ownership percentage is provided on income worksheet. Exception cleared.<br>Buyer Comment (2025-09-19): Corrected worksheet<br>Reviewer Comment (2025-09-15): The provided cash flow analysis references account number ending "[redacted]", which differs from the business account statement showing account number ending "[redacted]". Exception remains<br>Buyer Comment (2025-09-12): cash flow analysis<br>Reviewer Comment (2025-09-04): Unable to clear. A Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet with review of the most recent [redacted] months of business account statement activity per guidelines is not located in the file.<br>Buyer Comment (2025-09-02): PC Cert | 09/22/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223950140 | [Redacted] | [Redacted] |  | 34280744 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for Non-Warrantable Condo due to lock out unit features. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elected to waive exceptions with compensating factors. |  |  | 08/25/2025 | 2 B |  | NC | Primary | Purchase | B A | Non QM | Non QM | No |
| 223950195 | [Redacted] | [Redacted] |  | 34277207 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception has been raised that subject to appraisal confirming subject residential in nature with no modification adversely impacting marketability as a residential property. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elected to waive exceptions with compensating factors. |  |  | 08/25/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223950977 | [Redacted] | [Redacted] |  | 34279173 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-02): PCCD<br>Reviewer Comment (2025-08-28): [redacted] received LE dated [redacted], however we require valid COC for increase of fee on LE dated [redacted]. A valid Changed Circumstance with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-26): Loan estimate | 09/04/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223950977 | [Redacted] | [Redacted] |  | 34279229 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved for: Exception for the employment offer letter, as it does not include the physical signature from the employer representative. Customer relocating to [redacted]. New employment will not start until after close. All employment offer contingencies have not been cleared. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-26): Exception |  |  | 08/28/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223950977 | [Redacted] | [Redacted] |  | 34281888 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA Transaction Mgmt Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | HOA Transaction Mgmt Fee $[redacted]was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-09-04): [redacted] received corrected PCCD and LOE moving the non lender required fee from section [redacted] to [redacted]. | 09/04/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223950977 | [Redacted] | [Redacted] |  | 34317028 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for employment offer letter does not include the physical signature from employer represendtative. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elects to waive with compensating factors. |  |  | 08/28/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223950977 | [Redacted] | [Redacted] |  | 34317045 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for VOR. Customer rents from private landlord and did not provide the lease agreement with [redacted]months cancelled checks. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elects to waive with compensating factors. |  |  | 08/28/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223950977 | [Redacted] | [Redacted] |  | 34354758 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223951044 | [Redacted] | [Redacted] |  | 34275949 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received [redacted] Final. Exception Cleared.<br>Buyer Comment (2025-08-29): full signed final [redacted] [redacted] | 09/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223951044 | [Redacted] | [Redacted] |  | 34283059 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The correct prepayment penalty addendum to the note was not signed. The document with the borrowing entity and the individual borrower needs to be signed. |  |  |  | Reviewer Comment (2025-09-08): Received corrected prepayment addendum. Exception Cleared.<br>Buyer Comment (2025-09-05): complete [redacted] adden upld | 09/08/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223951083 | [Redacted] | [Redacted] |  | 34282203 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for use of refi proceeds towards continuance for retirement disbursement. Conditions include value to match purchase price of $[redacted], CD to show proceeds to [redacted] account, Source of $[redacted]deposit from [redacted]into [redacted], Verify occupancy. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elected to waive exceptions with compensating factors. |  |  | 08/25/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 223951109 | [Redacted] | [Redacted] |  | 34276323 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to[redacted]) business days from transaction date of [redacted]. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2025-09-04): Received final closing statement reflecting disbursement date as [redacted]<br>Buyer Comment (2025-09-02): please see attached final ss, disbursement ledger and title email - this loan disbursed[redacted] | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 223952240 | [Redacted] | [Redacted] |  | 34276314 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (2025-08-26): Business purpose certificate has been provided.<br>Buyer Comment (2025-08-26): business cert | 08/26/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 223952243 | [Redacted] | [Redacted] |  | 34276420 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-26): business cert | 08/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223952243 | [Redacted] | [Redacted] |  | 34276421 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception at origination for "Borrower had the property listed for sale [redacted] and was delisted [redacted]. An investor was interested in purchasing his whole RE portfolio. It fell through and he took it off of the market. It is currently rented. Lease, proof of rent received and LOX for listing has been requested. Delisting agreement also has been requested. DSCR in system is under [redacted] but loan will be restructured to get it to [redacted]. This is our [redacted]DSCR loan for this borrower, and he has not accepted a [redacted]yr PPP so we are requesting a [redacted]YR PPP. Long time investor, [redacted]yr mtg history, [redacted]yr credit history with no lates in last year. Couple revolving lates prior. Assets: Cash out: $[redacted] months for reserves." | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elected to waive exceptions with compensating factors. |  |  | 08/25/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223953017 | [Redacted] | [Redacted] |  | 34280750 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing for subject property. |  |  |  | Reviewer Comment (2025-09-02): Non-QM Business Purpose Certificate is provided. Exception cleared.<br>Buyer Comment (2025-08-28): BPC | 09/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223953018 | [Redacted] | [Redacted] |  | 34295782 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-04): Esign consent provided.<br>Buyer Comment (2025-09-02): econsent | 09/04/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223953018 | [Redacted] | [Redacted] |  | 34295800 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to Appraisal Fee. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-09): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-09-05): pccd |  | 09/09/2025 |  | 2 C B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223953018 | [Redacted] | [Redacted] |  | 34301661 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved due to Expired [redacted]card (DACA). Condition for Borrower [redacted]retention with expired EAD card and application for renewal of EAD in process. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-26): Client elects to waive with compensating factors. |  |  | 08/26/2025 | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223953027 | [Redacted] | [Redacted] |  | 34280457 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Business purpose certificate in the file. Exception Cleared.<br>Buyer Comment (2025-08-28): business cert | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223953027 | [Redacted] | [Redacted] |  | 34280458 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-28): Fraud report | 08/29/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223953027 | [Redacted] | [Redacted] |  | 34280460 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing in file. |  |  |  | Reviewer Comment (2025-09-03): Received Operating Agreement in the file. Exception Cleared.<br>Buyer Comment (2025-08-29): Operating agreement | 09/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223953027 | [Redacted] | [Redacted] |  | 34298298 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender counter offered exception for landlord/property management experience - The customer does not have a history of owning rental properties.<br> Allow the Landlord history with Conditions: [redacted]% LTV and Min [redacted]DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-26): Preapproved exception |  |  | 08/26/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223953036 | [Redacted] | [Redacted] |  | 34297159 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank |  |  |  | Reviewer Comment (2025-09-05): Title policy provided<br>Buyer Comment (2025-09-03): Loan Policy | 09/05/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223953036 | [Redacted] | [Redacted] |  | 34297549 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Project is a non - warrantable condo. This is new non-gut rehab conversion project. there are [redacted]non-warrantable condo characteristics: 1) New non-gut rehab conversion, non PERS approved by [redacted], 2) Pre-sales is less than [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-26): Preapproved exception |  |  | 08/26/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223953180 | [Redacted] | [Redacted] |  | 34280625 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received Fraud report. Exception Cleared.<br>Buyer Comment (2025-08-27): fraud upld | 08/28/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223953190 | [Redacted] | [Redacted] |  | 34295899 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-09-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-09): PCCD<br>Reviewer Comment (2025-08-29): [redacted] received LE, however we require valid COC for increase of appraisal fee on LE dated [redacted]. A valid Changed Circumstance with sufficient information on why the fee was increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-27): Loan estimate |  | 09/11/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223953647 | [Redacted] | [Redacted] |  | 34296495 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing the XXXX Rate Lock as required by the client's guidance |  |  |  | Reviewer Comment (2025-09-02): Rate Lock received and verified. Exception cleared<br>Buyer Comment (2025-08-29): Rate Lock | 09/02/2025 |  |  | 1 C A D |  | NJ | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 223953647 | [Redacted] | [Redacted] |  | 34296516 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received Post CD and LOX.<br>Buyer Comment (2025-09-03): PCCD | 09/05/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223953655 | [Redacted] | [Redacted] |  | 34306806 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing from the file and is required. |  |  |  | Reviewer Comment (2025-09-02): Fraud Report received, Exception Cleared<br>Buyer Comment (2025-08-29): Fraud | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223953657 | [Redacted] | [Redacted] |  | 34303032 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in file. |  |  |  | Reviewer Comment (2025-09-05): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-09-03): business purpose cert | 09/05/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223953657 | [Redacted] | [Redacted] |  | 34306810 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for minimum loan amount is $[redacted], loan amount is $[redacted]. Loan amount has been reduced to keep DSCR greater than [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223953672 | [Redacted] | [Redacted] |  | 34297579 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-02): [redacted] received a valid COC.<br>Buyer Comment (2025-08-29): [redacted] [redacted] [redacted]- "Additional Services Required based on the loan" relates to the CU score and thus the appraisal fee. Please cancel | 09/02/2025 |  |  | 1 C A |  | WA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223953673 | [Redacted] | [Redacted] |  | 34296887 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Provide sufficient asset to cover required Cash From Borrower. Closing Disclosure/Closing Statement/HUD to verify proceeds from pending sale is not located in the file. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received CD for sale of REO.<br>Buyer Comment (2025-09-04): previous home | 09/08/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223953673 | [Redacted] | [Redacted] |  | 34297117 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves requreiremtn is not met. Closing Disclosure/Closing Statement/HUD to verify proceeds from pending sale is not located in the file. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received CD for sale of REO.<br>Buyer Comment (2025-09-04): Sale of previous home uploaded | 09/08/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223953673 | [Redacted] | [Redacted] |  | 34297141 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Closing Disclosure/Closing Statement/HUD to verify proceeds from pending sale is not located in the file, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received CD for sale of REO.<br>Buyer Comment (2025-09-04): Sale of previous home uploaded | 09/08/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223953673 | [Redacted] | [Redacted] |  | 34297142 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Closing Disclosure/Closing Statement/HUD to verify proceeds from pending sale is not located in the file, causing the loan to [redacted]. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received CD for sale of REO.<br>Buyer Comment (2025-09-04): Sale of previous home uploaded | 09/08/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223953679 | [Redacted] | [Redacted] |  | 34295883 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Articles of Organization/Formation. Exception Cleared.<br>Buyer Comment (2025-08-29): [redacted] [redacted] | 09/02/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223953679 | [Redacted] | [Redacted] |  | 34295884 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2025-08-29): [redacted] [redacted] submitted | 09/02/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223953679 | [Redacted] | [Redacted] |  | 34295885 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Corporate Resolution. Exception Cleared.<br>Buyer Comment (2025-08-29): [redacted] [redacted] submitted | 09/02/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223953679 | [Redacted] | [Redacted] |  | 34295889 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Employer Identification Number. Exception Cleared.<br>Buyer Comment (2025-08-29): [redacted] [redacted] submitted | 09/02/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223953679 | [Redacted] | [Redacted] |  | 34295890 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-08-29): [redacted] [redacted] submitted | 09/02/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223953679 | [Redacted] | [Redacted] |  | 34295907 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Commitment in file. Require updated title policy. |  |  |  | Reviewer Comment (2025-09-05): Received Title Commitment. Exception Cleared.<br>Buyer Comment (2025-09-04): title | 09/05/2025 |  |  | 1 B A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223953682 | [Redacted] | [Redacted] |  | 34297083 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-29): consent provided.<br>Buyer Comment (2025-08-27): proof econsent accepted upld | 08/29/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Non QM | Non QM | No |
| 223953684 | [Redacted] | [Redacted] |  | 34303305 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted]Tax Return is not provided however the borrower has filed for an extension which is documented in the file. |  |  |  | Reviewer Comment (2025-09-15): Client elects to waive.<br>Buyer Comment (2025-09-11): Since this is an informative condition, you may waive<br>Reviewer Comment (2025-09-05): Exception is an [redacted] informative [redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent.<br>Buyer Comment (2025-09-03): Please clarify what is needed to cure this condition |  |  | 09/15/2025 | 2 B |  | FL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 223953684 | [Redacted] | [Redacted] |  | 34306874 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The initial [redacted] rate lock is missing from the file and is a required document |  |  |  | Reviewer Comment (2025-09-05): Cleared. Received rate lock.<br>Buyer Comment (2025-09-03): lock form | 09/05/2025 |  |  | 1 C A D |  | FL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 223953686 | [Redacted] | [Redacted] |  | 34297497 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-02): Received E-sign Consent document, information validated. Exception Cleared.<br>Buyer Comment (2025-08-29): econsent | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 223953686 | [Redacted] | [Redacted] |  | 34303100 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial [redacted] Rate Lock is missing and is a required document. |  |  |  | Reviewer Comment (2025-09-08): [redacted] initial rate lock provided.<br>Buyer Comment (2025-09-05): initial lock<br>Reviewer Comment (2025-09-02): Provided Rate Lock document does not reflect rate lock date in it, please provided document with rate lock date to clear the Exception. Exception Remains.<br>Buyer Comment (2025-08-29): initial lock | 09/08/2025 |  |  | 1 C A D |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 223953686 | [Redacted] | [Redacted] |  | 34303511 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO Documents are not provided for Winthrop property. |  |  |  | Reviewer Comment (2025-09-09): REO Property is sold before closing. Exception cleared.<br>Buyer Comment (2025-09-05): HOA<br>Reviewer Comment (2025-09-02): As per Final [redacted] document require HOA document for remaining other expense [redacted] of REO property Address: [redacted] Exception Remains.<br>Buyer Comment (2025-08-29): . | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 223953686 | [Redacted] | [Redacted] |  | 34303544 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due to Letter of intent to sell is missing from the file and as a result the full PITIA payment for departing residence is included in DTI. |  |  |  | Reviewer Comment (2025-09-09): REO Property is sold before closing. Exception cleared.<br>Buyer Comment (2025-09-05): proof property listed for sale uploaded | 09/09/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223953686 | [Redacted] | [Redacted] |  | 34303545 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and[redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to[redacted].) | Letter of intent to sell is missing from the file and as a result the full PITIA payment for departing residence is included in DTI. |  |  |  | Reviewer Comment (2025-09-02): Information re-validated as per available document in file. Exception Cleared. | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 223953686 | [Redacted] | [Redacted] |  | 34303554 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Letter of intent to sell is missing from the file and as a result the full PITIA payment for departing residence is included in DTI. |  |  |  | Reviewer Comment (2025-09-09): REO Property is sold before closing. Exception cleared.<br>Reviewer Comment (2025-09-08): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.<br>Buyer Comment (2025-09-05): property listed for sale | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 223953686 | [Redacted] | [Redacted] |  | 34303561 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Letter of intent to sell is missing from the file and as a result the full PITIA payment for departing residence is included in DTI. |  |  |  | Reviewer Comment (2025-09-09): REO Property is sold before closing. Exception cleared.<br>Buyer Comment (2025-09-05): proof property listed for sale uploaded | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 223953686 | [Redacted] | [Redacted] |  | 34334116 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  | Reviewer Comment (2025-09-09): REO Property is sold before closing. Exception cleared.<br>Buyer Comment (2025-09-05): proof property listed for sale uploaded | 09/09/2025 |  |  | 1 A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 223953841 | [Redacted] | [Redacted] |  | 34297130 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording fee increased from $[redacted]to $[redacted]without any valid changed circumstances. Changed circumstances dated [redacted] did not reflect any valid reason for change in recording fee. No cure was provided. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-24): PCCD<br>Reviewer Comment (2025-09-02): [redacted] received COC dated [redacted] for increase in recording fee but the reason provided is not a valid reason. An increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid [redacted] , Appendix, Additional Considerations, Row [redacted] indicates: To illustrate, see examples of sufficient vs. insufficient COC reasons. Need more information or provide Cure.<br>Buyer Comment (2025-08-29): COC |  | 09/25/2025 |  | 2 C B |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223954085 | [Redacted] | [Redacted] |  | 34295709 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-08-28): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-27): [redacted] | 08/28/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223954085 | [Redacted] | [Redacted] |  | 34295710 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-29): Fraud Report<br>Reviewer Comment (2025-08-28): Provided LoanSafe Final check report which states only limited checks are performed, and it is not a full LoanSafe report. Provide complete fraud report. Exception remains.<br>Buyer Comment (2025-08-27): Fraud | 09/02/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223954085 | [Redacted] | [Redacted] |  | 34295711 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-29): Fraud Report uploaded<br>Reviewer Comment (2025-08-28): Provided LoanSafe Final check report which states only limited checks are performed, and it is not a full LoanSafe report. Provide complete fraud report. Exception remains.<br>Buyer Comment (2025-08-27): Fraud Report uploaded | 09/02/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223954100 | [Redacted] | [Redacted] |  | 34295821 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $[redacted]are insufficient to meet cash to close of $[redacted]. |  |  |  | Reviewer Comment (2025-09-25): Received document [redacted]and [redacted]both reflecting a balance of $[redacted], which has been verified against the bank statement provided. Cash from borrower requirement met. Exception cleared<br>Buyer Comment (2025-09-24): bank statement, [redacted], [redacted]<br>Buyer Comment (2025-09-24): bank statement, [redacted] , [redacted]<br>Reviewer Comment (2025-09-08): Provided closing statement reflects cash from borrower $[redacted]([redacted]+ Deposit). Exception Remains.<br>Buyer Comment (2025-09-05): Please update cash to close for this condition. | 09/25/2025 |  |  | 1 C A |  | IL | Investment | Purchase | D A |  | N/A | No |
| 223954100 | [Redacted] | [Redacted] |  | 34295822 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing the initial[redacted]Rate Lock as required. |  |  |  | Reviewer Comment (2025-09-03): Received Rate Lock. Exception Cleared.<br>Buyer Comment (2025-09-02): lock | 09/03/2025 |  |  | 1 C A D |  | IL | Investment | Purchase | D A |  | N/A | No |
| 223954100 | [Redacted] | [Redacted] |  | 34295823 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated Available for Reserves of [redacted]is less than Guideline Available for Reserves of [redacted]. |  |  |  | Reviewer Comment (2025-09-25): Received document [redacted] and [redacted] both reflecting a balance of $[redacted], which has been verified against the bank statement provided. Reserve requirement met. Exception cleared<br>Buyer Comment (2025-09-24): uploaded bank statement, [redacted] , and [redacted]. The cash from borrower was $[redacted], unsure where the $[redacted]is being taken from. Please review final settement statement. | 09/25/2025 |  |  | 1 C A |  | IL | Investment | Purchase | D A |  | N/A | No |
| 223954515 | [Redacted] | [Redacted] |  | 34307271 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing from the file and is a required document. |  |  |  | Reviewer Comment (2025-09-02): Fraud Report received & associated. Exception cleared.<br>Buyer Comment (2025-08-29): Fraud | 09/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223954535 | [Redacted] | [Redacted] |  | 34307514 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | No consent document is found in the file. |  |  |  | Reviewer Comment (2025-09-02): Received E-sign Consent document . Exception cleared.<br>Buyer Comment (2025-08-29): econsent | 09/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223955519 | [Redacted] | [Redacted] |  | 34304313 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for IRA statements from [redacted]Fund do not detail deposit activity to be analyzed per guideline requirement. [redacted]months YTD statements disclosure beginning and ending market value.<br> The exception was approved with conditions<br> [redacted]% LTV max.<br> Subject to a [redacted]% haircut to the IRA account in question.<br> Subject to meeting all other signature expanded guideline requirements. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elects to waive with compensating factors. |  |  | 08/28/2025 | 2 B |  | NM | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223955519 | [Redacted] | [Redacted] |  | 34304386 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage of $[redacted]is less than Original Loan Amount of $[redacted]. |  |  |  | Reviewer Comment (2025-09-02): Title Final Policy loan amount received and verified. Exception cleared.<br>Buyer Comment (2025-08-29): title email confirming final policy insured amt [redacted]. | 09/02/2025 |  |  | 1 B A |  | NM | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223955519 | [Redacted] | [Redacted] |  | 34304395 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted]business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate was sent electronically on[redacted] prior to Econsent date of[redacted] |  |  |  | Reviewer Comment (2025-08-29): [redacted] received disclosure summary for the initial disclosures sent via by [redacted].<br>Buyer Comment (2025-08-28): initial disclosures were mailed [redacted] usps on [redacted], confirmation upld | 08/29/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223955521 | [Redacted] | [Redacted] |  | 34304310 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | Borrower stated on the application that he is co-signer / guarantor on debt which is not disclosed on loan application. |  |  |  | Reviewer Comment (2025-10-02): Received Credit statement and Letter of explanation of Vehicle loan, which is reflecting on credit report. Exception cleared.<br>Buyer Comment (2025-09-30): PC Cert + billing statements | 10/02/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223955521 | [Redacted] | [Redacted] |  | 34310625 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted]due to funds from sale of departure residence being completed on [redacted] which is after the Note date of[redacted]. |  |  |  | Reviewer Comment (2025-09-05): Cleared. Funds from departing property received [redacted] which is prior to disbursement date of subject transaction.<br>Buyer Comment (2025-09-03): Settlement Statement | 09/05/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223955521 | [Redacted] | [Redacted] |  | 34310626 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay ([redacted]): Unable to verify assets using reasonably reliable third-party records. | Unable to verify funds from sale of departure residence which is being completed on [redacted] after the Note date of [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Cleared. Funds from departing property received[redacted] which is prior to disbursement date of subject transaction.<br>Buyer Comment (2025-09-03): Settlement Statement | 09/05/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223955521 | [Redacted] | [Redacted] |  | 34310627 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Unable to verify funds from sale of departure residence which is being completed on [redacted] after the Note date of [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Cleared. Funds from departing property received [redacted]which is prior to disbursement date of subject transaction. | 09/05/2025 |  |  | 1 A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223955521 | [Redacted] | [Redacted] |  | 34310632 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Unable to verify funds from sale of departure residence which is being completed on[redacted] after the Note date of [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Cleared. Funds from departing property received [redacted] which is prior to disbursement date of subject transaction.<br>Buyer Comment (2025-09-03): Settlement Statement | 09/05/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 223955522 | [Redacted] | [Redacted] |  | 34299014 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Provided Fraud report, Exception cleared.<br>Buyer Comment (2025-08-29): Fraud Report | 09/02/2025 |  |  | 1 C A |  | OR | Investment | Purchase | C A |  | N/A | No |
| 223955522 | [Redacted] | [Redacted] |  | 34299023 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Provided Fraud report, Exception cleared.<br>Buyer Comment (2025-08-29): Please see fraud report provided today | 09/02/2025 |  |  | 1 C A |  | OR | Investment | Purchase | C A |  | N/A | No |
| 223955522 | [Redacted] | [Redacted] |  | 34299026 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Provided Fraud report, Exception cleared.<br>Buyer Comment (2025-08-29): Please see fraud report provided today. | 09/02/2025 |  |  | 1 C A |  | OR | Investment | Purchase | C A |  | N/A | No |
| 223955526 | [Redacted] | [Redacted] |  | 34301080 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Buyer Comment (2025-08-29): Articles of Organization | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223955526 | [Redacted] | [Redacted] |  | 34301083 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-29): Fraud Report | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223955526 | [Redacted] | [Redacted] |  | 34301085 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-08-29): Please see fraud report uploaded today | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223955526 | [Redacted] | [Redacted] |  | 34301086 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received OFAC in the file. Exception Cleared.<br>Buyer Comment (2025-08-29): Please see fraud report uploaded today | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223955526 | [Redacted] | [Redacted] |  | 34301098 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received OFAC in the file. Exception Cleared.<br>Buyer Comment (2025-08-29): Please see fraud report uploaded today | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223955527 | [Redacted] | [Redacted] |  | 34309751 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for Borrower primary source of income from W2 however loan is set up as Bank Statement Income. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223955527 | [Redacted] | [Redacted] |  | 34309786 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for S/E Business in existence < [redacted]months. History of similar type of business (landscaping) which is transitioning to a [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223955527 | [Redacted] | [Redacted] |  | 34309801 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved due to missing CPA Letter. Articles of Organization, COGS, and Operating Agreement which is dated[redacted] but not signed until[redacted]. [redacted] LLC LOE provided by borrower. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223955530 | [Redacted] | [Redacted] |  | 34304462 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Note date is [redacted] however policy is not effective until[redacted]. |  |  |  | Reviewer Comment (2025-09-02): Received Hazard insurance document, information validated. Exception Cleared.<br>Buyer Comment (2025-08-29): HOI | 09/02/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223955530 | [Redacted] | [Redacted] |  | 34311084 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Completed Electronic Signature consent is not provided and is a required document. |  |  |  | Reviewer Comment (2025-09-02): Received E-sign Consent document, information validated. Exception Cleared.<br>Buyer Comment (2025-08-29): E Consent | 09/02/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223955531 | [Redacted] | [Redacted] |  | 34304280 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-09-08): Final title provided | 09/08/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223955531 | [Redacted] | [Redacted] |  | 34304281 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provided title preliminary report document does not have policy amount. |  |  |  | Reviewer Comment (2025-09-08): Final title provided<br>Buyer Comment (2025-09-04): title commitment | 09/08/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223955531 | [Redacted] | [Redacted] |  | 34304284 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223955532 | [Redacted] | [Redacted] |  | 34300902 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  | Birth date is not provided. |  |  |  | Reviewer Comment (2025-08-28): Birth date details not required for managing member in the file. Exception Cleared.<br>Buyer Comment (2025-08-27): not required, [redacted] is the other managing member of the [redacted]. | 08/28/2025 |  |  | 1 B A |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223955532 | [Redacted] | [Redacted] |  | 34300903 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-08-29): Received fraud report. Exception Cleared.<br>Buyer Comment (2025-08-28): final fraud upld<br>Reviewer Comment (2025-08-28): Provided XXXX Final Check report which states only limited checks are performed, and it is not full XXXX report. Provide complete fraud report with full alert and score detail. Exception remains.<br>Buyer Comment (2025-08-27): fraud upld | 08/29/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223955532 | [Redacted] | [Redacted] |  | 34300926 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for[redacted] month's rent receipt deposit amounts of $[redacted]exceeding the actual [redacted]month's rent amount of $[redacted] | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-08-26): Client elected to waive exceptions with compensating factors. |  |  | 08/26/2025 | 2 B |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223955533 | [Redacted] | [Redacted] |  | 34304497 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign consent agreement not provided. |  |  |  | Reviewer Comment (2025-09-03): E-sign consent agreement received, Exception cleared.<br>Buyer Comment (2025-08-29): eConsent | 09/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223955533 | [Redacted] | [Redacted] |  | 34304500 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-09-05): Title insurance amount was provided.<br>Buyer Comment (2025-09-03): Proposed Insured | 09/05/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223955536 | [Redacted] | [Redacted] |  | 34303407 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-09-11): Received [redacted]. Exception Cleared.<br>Buyer Comment (2025-09-10): Signed [redacted]<br>Reviewer Comment (2025-09-09): Received [redacted] is not executed by the borrower. Exception remains.<br>Buyer Comment (2025-09-06): Final [redacted] | 09/11/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223955536 | [Redacted] | [Redacted] |  | 34303408 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Available Operating Agreement is not signed and dated. |  |  |  | Reviewer Comment (2025-10-02): Received signed operating Agreement. Exception Cleared.<br>Buyer Comment (2025-10-01): Signed Operating Agreement | 10/02/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223955536 | [Redacted] | [Redacted] |  | 34303411 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Patriot Act Customer Identification. Exception Cleared.<br>Buyer Comment (2025-08-29): Patriot Act Info Form | 09/02/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223955536 | [Redacted] | [Redacted] |  | 34303434 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for [redacted] FICO requesting [redacted]% LTV. Credit report was repulled after CTC & Fico is now [redacted]. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223955538 | [Redacted] | [Redacted] |  | 34300949 |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. |  | Credit report date is more than [redacted] days prior to the note date or notary date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>The DSCR is greater than the minimum required. | Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-08): Post close lender exception provided. COE [redacted] Credit expired [redacted]. Exception request to not update credit post closing as credit was not repulled prior.<br>Buyer Comment (2025-09-04): Approved Exception |  |  | 09/08/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223955538 | [Redacted] | [Redacted] |  | 34300980 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Certificate of Good standing. Exception Cleared.<br>Buyer Comment (2025-08-29): [redacted]<br>Reviewer Comment (2025-08-29): Received article of organization. Require Certificate of Good Standing. Exception remains.<br>Buyer Comment (2025-08-27): [redacted] | 09/02/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223955538 | [Redacted] | [Redacted] |  | 34301522 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to "Exception rent receipt paid in cash- documented w/ bank statements - Approved • Document before and after photos as documentation of the scope and impact of work completed as stated in Borrower LOE "the discrepancy between sales price and loan amt", Document reserve requirement as within Signature Expanded UW guidelines, Subject to meeting all Signature Expanded guideline requirements." | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-08-26): Client elected to waive exceptions with compensating factors. |  |  | 08/26/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223955539 | [Redacted] | [Redacted] |  | 34314401 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for unacceptable non-warrantable condo due to mandatory membership is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-28): Preapproved exception |  |  | 08/28/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223955539 | [Redacted] | [Redacted] |  | 34314402 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for allowing appraised value of property at $[redacted]K vs value used less than [redacted] months ago when acquired at $[redacted]K is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-28): preapproved exception |  |  | 08/28/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223955539 | [Redacted] | [Redacted] |  | 34314404 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to allow cash out above guideline max of $[redacted]K is approved. Borrower is receiving no money in hand; all funds being used to pay off private lien secured against a non-subject commercial property. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-28): Preapproved exception |  |  | 08/28/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223956065 | [Redacted] | [Redacted] |  | 34304573 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-09-03): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-09-02): fraud report | 09/03/2025 |  |  | 1 C A |  | ME | Investment | Purchase | C A |  | N/A | No |
| 223956065 | [Redacted] | [Redacted] |  | 34304574 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-09-03): Received Fraud Report. Exception Cleared. | 09/03/2025 |  |  | 1 C A |  | ME | Investment | Purchase | C A |  | N/A | No |
| 223956072 | [Redacted] | [Redacted] |  | 34304609 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient documentation was provided. Condition is cleared.<br>Buyer Comment (2025-09-02): [redacted], which is the higher/better valuation product in the '[redacted]' supporting the value of the appraisal. Please review and clear | 09/04/2025 |  |  | 1 A B |  | MA | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 223956072 | [Redacted] | [Redacted] |  | 34304612 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal review fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | MA | Second Home | Purchase | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| 223956072 | [Redacted] | [Redacted] |  | 34314441 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Borrower marked "yes' on declaration page saying it would be occupied as a primary residence. |  |  |  | Reviewer Comment (2025-09-04): Sufficient documentation was provided. Condition is cleared.<br>Buyer Comment (2025-09-02): Revised URLA | 09/04/2025 |  |  | 1 C A |  | MA | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 223957100 | [Redacted] | [Redacted] |  | 34304687 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  |  |  |  |  | Reviewer Comment (2025-08-29): Date of birth not required. Managing member of the business entity and not on the loan. Exception Cleared.<br>Buyer Comment (2025-08-27): Not required, Jessica is the other member of the LLC and not on the loan. | 08/29/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223957100 | [Redacted] | [Redacted] |  | 34304692 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. |  |  |  |  |  | Reviewer Comment (2025-08-29): Received hazard insurance renewal. Exception Cleared.<br>Buyer Comment (2025-08-28): renewal pol [redacted] | 08/29/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223957100 | [Redacted] | [Redacted] |  | 34304698 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Unanimous Consent & Resolution to borrow is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-10-17): Received Corporate Resolution in the file. Exception Cleared.<br>Buyer Comment (2025-10-16): Please clear condition as corporate resolution provided authorized amount in excess of loan amount, correction is non-material and sufficient documentation has been provided.<br>Reviewer Comment (2025-08-29): Provided corporate resolution loan amount does not match with note document. Exception Remains.<br>Buyer Comment (2025-08-27): signed resolution [redacted] | 10/17/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223957100 | [Redacted] | [Redacted] |  | 34304742 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for DSCR interest only, rate term refi, [redacted]% LTV. The subject property is a sober living home. The exception is approved for collateral value and rents to be based only on comparable residential properties, Appraiser to comment there have been no modification, for use as a sober living facility that will adversely affect marketability of the subject property as a residential property, Lesser of actual or market rents to be used to qualify and all other [redacted] guideline requirements to be met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223957100 | [Redacted] | [Redacted] |  | 34307233 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted]. Vesting in the name of [redacted]. [redacted] is comprised of: [redacted]) [redacted] (Borrower [redacted]: [redacted]) + [redacted]) [redacted] (Borrower [redacted]: [redacted]). [redacted] (borrower [redacted]) has [redacted] FICO but [redacted] (borrower [redacted]) only has a [redacted] score. Request to keep borrower [redacted] off the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223957101 | [Redacted] | [Redacted] |  | 34308691 |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Non-warrantable condo due to pre-sales. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Exception provided |  |  | 08/27/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223957101 | [Redacted] | [Redacted] |  | 34310451 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for Unwarrantable condo was approved | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223958130 | [Redacted] | [Redacted] |  | 34304603 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-09-04): [redacted] received CD dated[redacted]<br>Buyer Comment (2025-09-02): initial CD | 09/04/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 223958130 | [Redacted] | [Redacted] |  | 34304604 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-23): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-22): PCCD<br>Reviewer Comment (2025-09-04): [redacted]received Changed Circumstance dated [redacted], but it does not give sufficient information on why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-02): COC |  | 09/23/2025 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223958130 | [Redacted] | [Redacted] |  | 34304605 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-23): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-22): pccd submitted<br>Reviewer Comment (2025-09-04): [redacted] received rebuttal, however no cure provided on final CD dated [redacted]. Please provide valid COC for increase or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-02): cure in section [redacted] |  | 09/23/2025 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223958130 | [Redacted] | [Redacted] |  | 34304610 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $[redacted] . No Replacement Cost Estimate or Agent confirmation of Guaranteed Replacement Cost provided in the file. |  |  |  | Reviewer Comment (2025-09-04): Replacement Cost Estimator received, Exception Cleared<br>Buyer Comment (2025-09-02): Actual cash value | 09/04/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223958131 | [Redacted] | [Redacted] |  | 34304882 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report. Exception Cleared<br>Buyer Comment (2025-08-29): Fraud | 09/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958131 | [Redacted] | [Redacted] |  | 34304883 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-09-03): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-09-02): BPC | 09/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958131 | [Redacted] | [Redacted] |  | 34304884 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report. Exception Cleared<br>Buyer Comment (2025-08-29): Fraud uploaded | 09/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958131 | [Redacted] | [Redacted] |  | 34307008 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for dispute HELOC account with late payments reported in last [redacted] years to remain in dispute status. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958266 | [Redacted] | [Redacted] |  | 34305849 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage of $[redacted] is less than the note amount of $[redacted]. |  |  |  | Reviewer Comment (2025-09-02): Title Final Policy loan amount received and verified.<br>Buyer Comment (2025-08-29): title email confirming final policy insured amt [redacted] | 09/02/2025 |  |  | 1 B A |  | PA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223958302 | [Redacted] | [Redacted] |  | 34304918 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final Title Policy is not provided in the file. |  |  |  | Reviewer Comment (2025-09-02): Final Title Report received, exception cleared | 09/02/2025 |  |  | 1 A |  | AL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223958302 | [Redacted] | [Redacted] |  | 34304924 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Provided Title Commitment is short of a policy coverage amount $[redacted]. Provide policy reflecting sufficient title policy coverage. |  |  |  | Reviewer Comment (2025-09-02): Final Title Report received, exception cleared<br>Buyer Comment (2025-08-29): Policy | 09/02/2025 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223958302 | [Redacted] | [Redacted] |  | 34304925 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Tax Verification and Insurance Verification for the property XXXX APN [redacted], [redacted] |  |  |  | Reviewer Comment (2025-09-02): Property History report received, exception cleared.<br>Buyer Comment (2025-08-28): XXXX | 09/02/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223958302 | [Redacted] | [Redacted] |  | 34304930 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | AL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223958302 | [Redacted] | [Redacted] |  | 34304931 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | AL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223958313 | [Redacted] | [Redacted] |  | 34304828 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): business purpose cert upld | 09/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958313 | [Redacted] | [Redacted] |  | 34304829 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-09-02): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-28): business purpose cert upld | 09/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958313 | [Redacted] | [Redacted] |  | 34304855 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the projected occupancy rate listed on the [redacted] Rentalizer report must be >[redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-27): Preapproved exception |  |  | 08/27/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958313 | [Redacted] | [Redacted] |  | 34310674 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Short term rental requires a min. DSCR of [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-05): Lender exception provided for property on a short-term baseis must have a DSCR >= [redacted]<br>Buyer Comment (2025-09-03): exception aprvl & supporting docs upld |  |  | 09/05/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223958314 | [Redacted] | [Redacted] |  | 34304707 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The homeowner's insurance declarations page in the file verified an effective date of [redacted] which is after the consummation date of [redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-09-03): Received hazard insurance. Exception Cleared.<br>Buyer Comment (2025-09-02): HOI | 09/03/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223958314 | [Redacted] | [Redacted] |  | 34304714 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Deeds / Warranty / Grant / Quit-Claim of the current ownership transfer is missing. |  |  |  | Reviewer Comment (2025-09-03): Vested in the borrower name. Deed is not required. Exception Cleared.<br>Buyer Comment (2025-09-02): Refinance, no warranty deed needed | 09/03/2025 |  |  | 1 D A |  | CT | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223958318 | [Redacted] | [Redacted] |  | 34306628 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2025-09-15): Disclosure received and verified. Exception cleared.<br>Buyer Comment (2025-09-11): disclosure<br>Reviewer Comment (2025-09-10): The Counseling Disclosure is not located in the file.<br>Buyer Comment (2025-09-06): list | 09/15/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | No obvious cure C A B | Non QM | Non QM | No |
| 223958318 | [Redacted] | [Redacted] |  | 34306629 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the [redacted]. |  |  |  |  | Reviewer Comment (2025-09-25): Subprime Legend provided exception cleared.<br>Buyer Comment (2025-09-24): Mortgage<br>Reviewer Comment (2025-09-10): The [redacted] - Sub-Prime Legend is not located in the file.<br>Buyer Comment (2025-09-06): .<br>Buyer Comment (2025-09-06): Net tangible benefit | 09/25/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| 223958318 | [Redacted] | [Redacted] |  | 34306630 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2025-09-25): Subprime Legend provided exception cleared.<br>Reviewer Comment (2025-09-10): The APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted]%<br>Buyer Comment (2025-09-06): Please review the mavent. The APOR is [redacted] and there is a [redacted]spread | 09/25/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223958318 | [Redacted] | [Redacted] |  | 34306631 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Tangible Net Benefit Test | [redacted] Subprime Loan: Unable to determine if existing loan was refinanced into subprime home loan with no tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  | Reviewer Comment (2025-09-10): Cleared. Received TNB worksheet.<br>Buyer Comment (2025-09-06): . | 09/10/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | No obvious cure C A B | Non QM | Non QM | No |
| 223958318 | [Redacted] | [Redacted] |  | 34306632 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on [redacted]st lien, subprime loan. |  |  |  |  | Reviewer Comment (2025-09-10): Associated with LE<br>Buyer Comment (2025-09-06): escrow disclosure | 09/10/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | No obvious cure C A B | Non QM | Non QM | No |
| 223958318 | [Redacted] | [Redacted] |  | 34306634 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided within [redacted] Days of Closing |  | 08/27/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A B | Non QM | Non QM | Yes |
| 223958318 | [Redacted] | [Redacted] |  | 34306635 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided within [redacted] Days of Closing |  | 08/27/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A B | Non QM | Non QM | Yes |
| 223958318 | [Redacted] | [Redacted] |  | 34306656 |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-18): Coverage amount updated from Certificate of Title received .Exception cleared<br>Buyer Comment (2025-09-17): The final title is a trailing document. Please clear<br>Reviewer Comment (2025-09-17): Required Title final to determine coverage amount, Exception Remains<br>Buyer Comment (2025-09-16): Title commitment with coverage that exceeds the loan amount<br>Reviewer Comment (2025-09-15): Required title commitment or Final policy with all pages. Exception remains.<br>Buyer Comment (2025-09-11): title coverage is same as loan amount | 09/18/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 223958318 | [Redacted] | [Redacted] |  | 34546760 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted]%, or [redacted]%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2025-09-30): Condition cleared.<br>Buyer Comment (2025-09-26): Condition is [redacted]and informational, please clear | 09/30/2025 |  |  | 1 A |  | NY | Primary | Refinance - Rate/Term | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223958320 | [Redacted] | [Redacted] |  | 34304847 |  |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. |  |  |  |  |  | Reviewer Comment (2025-09-09): Excess cash-out to borrower due to gift funds, exception cleared.<br>Buyer Comment (2025-09-05): invalid cond - cash back at close was due to an excess of [redacted] funds including gift funds. The total amt of bwr funds and gift funds exceeded the total cash to close.<br>Reviewer Comment (2025-09-03): For purchase transactions, proceeds may not be used to <br> give the Applicant cash back other than an amount representing reimbursement for the Applicant's overpayment of fees and/or a legitimate pro-rated insurance premiums and real estate tax credit.<br>Buyer Comment (2025-08-29): final [redacted] upld, the cash to [redacted]of $[redacted]matched the final CD signed at closing. | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223958320 | [Redacted] | [Redacted] |  | 34304860 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. Lender provided cure in the amount of $[redacted] however this was insufficient to cure all defects on the file due to survey fee of $[redacted] |  |  |  | Reviewer Comment (2025-09-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-08-29): credit [redacted] fee increase cured at close $[redacted], upld itemization snapshot confirming $[redacted]was initially disclosed. | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223958320 | [Redacted] | [Redacted] |  | 34304861 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-09-10): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted] along with LOE and email confirmation.<br>Buyer Comment (2025-09-09): [redacted] docs and title email for survey fee upld. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223958320 | [Redacted] | [Redacted] |  | 34318165 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification document was not provided for the E Perimeter property. |  |  |  | Reviewer Comment (2025-09-12): Received hoi verification.<br>Buyer Comment (2025-09-10): [redacted] for e perimeter upld<br>Reviewer Comment (2025-09-03): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Tax Verification<br>Reviewer Comment (2025-09-02): Hazard Insurance document missing in loan file. Exception remains.<br>Buyer Comment (2025-08-29): [redacted] e perimeter taxes | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223958320 | [Redacted] | [Redacted] |  | 34398228 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing |  | 09/10/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223958321 | [Redacted] | [Redacted] |  | 34305247 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee increased to $[redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received email confirmation from the seller, and it was confirmed that the Survey fee service was required by title and shopped by the borrower and not selected the provider from the list.<br>Buyer Comment (2025-09-08): Title Attestation<br>Reviewer Comment (2025-09-05): [redacted] received PCCD and LOE, however we also require attestation as we are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-09-03): PCCD | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223958321 | [Redacted] | [Redacted] |  | 34319485 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to count consistent deposits from a Coinbase account as qualifying income. Approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elects to waive with compensating factors. |  |  | 08/28/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223958515 | [Redacted] | [Redacted] |  | 34319781 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | This file was missing a copy of VVOE. Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-09-15): Received Borrower VVOE document within the [redacted] days business days from the Closing date. Exception Cleared.<br>Buyer Comment (2025-09-12): XXXX [redacted]<br>Buyer Comment (2025-09-11): self employed [redacted] for waz enterprises within [redacted] days<br>Reviewer Comment (2025-09-09): Required verification of employment within [redacted] business days of closing. Provided verification of employment doesn't reflect any information regarding borrower's employment (wage income- Company name, start date, employment status etc.) Exception remains.<br>Buyer Comment (2025-09-05): VVOE | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223958515 | [Redacted] | [Redacted] |  | 34319800 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | This file was missing a copy of VVOE. Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-09-15): Received Borrower VVOE document within the [redacted] days business days from the Closing date. Exception Cleared.<br>Buyer Comment (2025-09-12): vvoes submitted<br>Reviewer Comment (2025-09-09): Required verification of employment within [redacted] business days of closing. Provided verification of employment doesn't reflect any information regarding borrower's employment (wage income- Company name, start date, employment status etc.) Exception remains.<br>Buyer Comment (2025-09-05): vvoe submitted | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223958515 | [Redacted] | [Redacted] |  | 34319822 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to missing income documentation. |  |  |  | Reviewer Comment (2025-09-15): Received Borrower VVOE document within the [redacted] days business days from the Closing date. Exception Cleared.<br>Buyer Comment (2025-09-12): vvoes submitted<br>Reviewer Comment (2025-09-09): Required verification of employment within [redacted] business days of closing. Provided verification of employment doesn't reflect any information regarding borrower's employment (wage income- Company name, start date, employment status etc.) Exception remains.<br>Buyer Comment (2025-09-05): vvoe submitted | 09/15/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223958515 | [Redacted] | [Redacted] |  | 34319823 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | This file was missing a copy of VVOE. Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-09-15): Received Borrower VVOE document within the [redacted] days business days from the Closing date. Exception Cleared.<br>Buyer Comment (2025-09-12): vvoes submitted<br>Reviewer Comment (2025-09-09): Required verification of employment within [redacted] business days of closing. Provided verification of employment doesn't reflect any information regarding borrower's employment (wage income- Company name, start date, employment status etc.) Exception remains.<br>Buyer Comment (2025-09-05): vvoe submitted | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223958515 | [Redacted] | [Redacted] |  | 34319853 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-15): Received Borrower VVOE document within the [redacted] days business days from the Closing date. Exception Cleared.<br>Buyer Comment (2025-09-12): vvoes submitted<br>Reviewer Comment (2025-09-09): Required verification of employment within [redacted] business days of closing. Provided verification of employment doesn't reflect any information regarding borrower's employment (wage income- Company name, start date, employment status etc.) Exception remains.<br>Buyer Comment (2025-09-05): vvoe submitted | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223958722 | [Redacted] | [Redacted] |  | 34308654 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | No initial CD is provided in the file; the Closing Disclosure provided is the final CD signed by the borrower. |  |  |  | Reviewer Comment (2025-09-03): [redacted] received initial CD.<br>Buyer Comment (2025-09-02): initial cd [redacted] | 09/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 223961847 | [Redacted] | [Redacted] |  | 34305422 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to borrower is self employed file does not have most recent year tax return with sign and dated. [redacted]. Most recent year tax return transcript and Audited P&L is missing. |  |  |  | Reviewer Comment (2025-09-05): Meets guidelines.<br>Buyer Comment (2025-09-03): Please cancel - borrower is a partner/member to a [redacted] with less than [redacted]% ownership (@ [redacted]% per the WVOE in file). Per the guidelines, section [redacted] : Other Income Sources ([redacted] Income), only [redacted] history of receipt is required. The [redacted] and [redacted] [redacted]'s are in file, along with the supporting [redacted]/[redacted] transcripts - and the WVOE. This employment income has been documented, validated and confirmed with the documentation in the loan file, per the guideline requirements. There is no additional requirement for P&L or tax returns..<br>Reviewer Comment (2025-09-03): Received [redacted] Transcripts. Please provide Audited P&L Statement, most recent Tax Return Transcripts and most recent signed, dated [redacted]. Exception remains.<br>Buyer Comment (2025-08-29): [redacted] [redacted] transcripts provided on [redacted] & [redacted] , The P&L is underwriter discretion so not required. | 09/05/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223961847 | [Redacted] | [Redacted] |  | 34305423 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability-to-Repay ([redacted]): Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | ATR failure due to borrower is self employed file does not have most recent year tax return with sign and dated. [redacted]. Most recent year tax return transcript and Audited P&L is missing. |  |  |  | Reviewer Comment (2025-09-05): Meets guidelines.<br>Buyer Comment (2025-09-03): Please cancel - borrower is a partner/member to a[redacted] with less than [redacted] % ownership (@ [redacted]% per the WVOE in file). Per the guidelines, section [redacted]: Other Income Sources ([redacted] Income), only [redacted] history of receipt is required. The [redacted] and [redacted] [redacted] 's are in file, along with the supporting [redacted] /[redacted] transcripts - and the WVOE. This employment income has been documented, validated and confirmed with the documentation in the loan file, per the guideline requirements. There is no additional requirement for P&L or tax returns..<br>Reviewer Comment (2025-09-03): Received [redacted] Transcripts. Please provide Audited P&L Statement, most recent Tax Return Transcripts and most recent signed, dated [redacted]. Exception remains.<br>Buyer Comment (2025-08-29): [redacted] [redacted] transcripts provided on [redacted] & [redacted], The P&L is underwriter discretion so not required. | 09/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223961847 | [Redacted] | [Redacted] |  | 34305424 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted]% | Ability to Repay ([redacted]): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | ATR failure due to borrower is self employed file does not have most recent year tax return with sign and dated. [redacted]. Most recent year tax return transcript and Audited P&L is missing. |  |  |  | Reviewer Comment (2025-09-05): Cleaered. Meets guideline requirements.<br>Buyer Comment (2025-09-03): Please cancel - borrower is a partner/member to a[redacted] with less than [redacted]% ownership (@ [redacted]% per the WVOE in file). Per the guidelines, section [redacted] : Other Income Sources ([redacted] Income), only [redacted] history of receipt is required. The [redacted] and [redacted] [redacted]'s are in file, along with the supporting [redacted]/[redacted] transcripts - and the WVOE. This employment income has been documented, validated and confirmed with the documentation in the loan file, per the guideline requirements. There is no additional requirement for P&L or tax returns..<br>Reviewer Comment (2025-09-03): Received [redacted] Transcripts. Please provide Audited P&L Statement, most recent Tax Return Transcripts and most recent signed, dated [redacted]. Exception remains.<br>Buyer Comment (2025-08-29): [redacted] [redacted] transcripts provided on [redacted] & [redacted], The P&L is underwriter discretion so not required. | 09/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223961847 | [Redacted] | [Redacted] |  | 34320196 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for Non-Warrantable Condo due to insufficient insurance coverage (Actual Cash Value for Roof). Condition for review of occupancy due to current primary superior to SP. LOE provided by borrower. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elected to waive exceptions with compensating factors. |  |  | 08/28/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223961847 | [Redacted] | [Redacted] |  | 34320376 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA and Insurance Verification are missing for [redacted] property. |  |  |  | Reviewer Comment (2025-09-03): Received Mortgage Statement and HOA Verification. Exception cleared<br>Buyer Comment (2025-09-02): mortgage statement is on [redacted]<br>Reviewer Comment (2025-09-02): Provide statement to confirm whether the taxes and insurance are escrowed or not. Exception Remains.<br>Buyer Comment (2025-08-29): hoa receipt upld | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223961892 | [Redacted] | [Redacted] |  | 34314547 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Extension Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided At Closing |  | 08/28/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223961892 | [Redacted] | [Redacted] |  | 34314556 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved to allow rate/term refinance with borrower not on title at the time of application. Will be added to deed with spouse at closing. Condition for Max [redacted]% LTV. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elected to waive exceptions with compensating factors. |  |  | 08/28/2025 | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 223961894 | [Redacted] | [Redacted] |  | 34308671 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing for the subject property. |  |  |  | Reviewer Comment (2025-09-03): Received Lease Agreement. Exception Cleared.<br>Buyer Comment (2025-09-02): Lease agreement | 09/03/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223961894 | [Redacted] | [Redacted] |  | 34308682 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing a copy of the final HUD/CD and closing statement. |  |  |  | Reviewer Comment (2025-09-05): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2025-09-03): HUD | 09/05/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223961897 | [Redacted] | [Redacted] |  | 34310505 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received LOE suffice.<br>Buyer Comment (2025-09-09): TRID Commentary | 09/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223961897 | [Redacted] | [Redacted] |  | 34310506 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-03): Please cancel, Lender Credit on Final CD in Section J for $[redacted]to cure | 09/05/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223961897 | [Redacted] | [Redacted] |  | 34310508 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-17): PCCD Cure |  | 09/19/2025 |  | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223961897 | [Redacted] | [Redacted] |  | 34310565 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved to allow for [redacted]% P&L ownership for income calculation. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-29): Preapproved exception |  |  | 08/29/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223962528 | [Redacted] | [Redacted] |  | 34326378 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The permanent resident card for the borrower is not located in the file. |  |  |  | Reviewer Comment (2025-09-10): Received [redacted] application reflects borrower is [redacted] Citizen. Exception Cleared.<br>Buyer Comment (2025-09-09): PC Cert and corrected [redacted] | 09/10/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223962534 | [Redacted] | [Redacted] |  | 34315051 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Account statement for account #[redacted] is required in the file. |  |  |  | Reviewer Comment (2025-09-05): Received bank statement. Exception Cleared.<br>Buyer Comment (2025-09-03): statement upld<br>Reviewer Comment (2025-09-03): XXXX License and sos provided in file however require bank statement for account #[redacted]. Exception Remains.<br>Buyer Comment (2025-09-02): personal bank [redacted] not required, XXXX license & sos were provided in initial file | 09/05/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223962686 | [Redacted] | [Redacted] |  | 34314844 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception requesting to use lease amount rather than market rents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elected to waive exceptions with compensating factors. |  |  | 08/28/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 223962687 | [Redacted] | [Redacted] |  | 34314737 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee increased to $[redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 09/02/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223962687 | [Redacted] | [Redacted] |  | 34314738 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased to $[redacted] without a valid change of circumstance. Insufficient or cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-08-29): Lender credit was provided please review | 09/02/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223962687 | [Redacted] | [Redacted] |  | 34334028 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223962687 | [Redacted] | [Redacted] |  | 34334029 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223962726 | [Redacted] | [Redacted] |  | 34315292 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Project does not meet [redacted]% completion. [redacted] out of [redacted] units completed. Max [redacted]% LTV Subject to [redacted] per rate sheet<br> Subject to meeting all other Signature Expanded guideline requirements | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Disposable Income: $[redacted] | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with comp factors. |  |  | 09/02/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223962726 | [Redacted] | [Redacted] |  | 34315352 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-12): [redacted] received Post CD and LOX.<br>Buyer Comment (2025-09-10): LOX, PCCD<br>Reviewer Comment (2025-09-05): [redacted] received LOE. If fee was not required, it should be listed in section [redacted] instead of section [redacted] . Corrected CD and LOE required to remediate.<br>Buyer Comment (2025-09-04): Rebuttal | 09/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223962754 | [Redacted] | [Redacted] |  | 34316904 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to exclude mortgage payment for[redacted] #[redacted]- Debt is paid by another party who is also an owner of the property. Conditioned for Reserves of [redacted] months on SP and [redacted] months on other [redacted] REO. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-29): Preapproved exception |  |  | 08/29/2025 | 2 B |  | FL | Investment | Purchase | B A | N/A | N/A | No |
| 223963486 | [Redacted] | [Redacted] |  | 34315050 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard policy effecting date is [redacted] which is after the Note date ([redacted]). Require Hazard policy covering Note date. |  |  |  | Reviewer Comment (2025-10-01): Received prior insurance policy which covers note date. Exception cleared.<br>Buyer Comment (2025-09-30): Policy in effect prior to closing.<br>Reviewer Comment (2025-09-30): Received HOI policy does not reflect subject property address. Exception remains.<br>Buyer Comment (2025-09-26): Prior HOI in effect as of closing. No laps<br>Reviewer Comment (2025-09-26): Waived in error.<br>Buyer Comment (2025-09-06): HOI uploaded<br>Buyer Comment (2025-09-06): remarks section of policy show it was active and PIF from [redacted]-[redacted], non-issue | 10/01/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223963524 | [Redacted] | [Redacted] |  | 34314980 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for no lease and borrower pays in cash utilize private VOR to qualify. The exception is approved with compensating factor [redacted]% LTV maximum, Minimum [redacted] DSCR and subject to meeting all other signature expanded guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-29): Client elected to waive exceptions with compensating factors. |  |  | 08/29/2025 | 2 B |  | MN | Investment | Purchase | B A |  | N/A | No |
| 223963587 | [Redacted] | [Redacted] |  | 34315212 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require lease statement for [redacted] property |  |  |  | Reviewer Comment (2025-09-04): Cleared. Receive airbnb statement.<br>Buyer Comment (2025-09-02): [redacted] history upld, [redacted] confirms property address. | 09/04/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223963587 | [Redacted] | [Redacted] |  | 34315308 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing lease for [redacted] |  |  |  | Reviewer Comment (2025-09-04): Received vacation rental income statement.<br>Buyer Comment (2025-09-02): [redacted] history upld to trl docs, [redacted] confirms property address. | 09/04/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223963587 | [Redacted] | [Redacted] |  | 34315309 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay ([redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Require lease agreement |  |  |  | Reviewer Comment (2025-09-04): Received vacation rental income statement.<br>Buyer Comment (2025-09-02): [redacted] history upld to trl docs, [redacted] confirms property address. | 09/04/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223963587 | [Redacted] | [Redacted] |  | 34315310 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Require lease agreement |  |  |  | Reviewer Comment (2025-09-04): Received vacation rental income statement. | 09/04/2025 |  |  | 1 A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223963589 | [Redacted] | [Redacted] |  | 34315319 |  |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | CPA letter is not dated. |  |  |  | Reviewer Comment (2025-09-12): Received dated CPA letter.<br>Buyer Comment (2025-09-10): dated cpa letter upld<br>Reviewer Comment (2025-09-04): Unable to clear. The CPA letter does not contain a date.<br>Buyer Comment (2025-09-02): the [redacted] letter and cpa license were provided at the same time, license confirms date of[redacted]. | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223963589 | [Redacted] | [Redacted] |  | 34315322 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage of $[redacted] is less than the note amount of $[redacted] based on the Supplemental Title report. |  |  |  | Reviewer Comment (2025-09-04): Cleared. Received final title.<br>Buyer Comment (2025-09-02): final title policy upld | 09/04/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223963589 | [Redacted] | [Redacted] |  | 34315323 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-09-04): Cleared. Received final title. | 09/04/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223963589 | [Redacted] | [Redacted] |  | 34315330 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to CPA letter is not dated. There is no other current verification of business existence. |  |  |  | Reviewer Comment (2025-09-12): Received dated CPA letter.<br>Buyer Comment (2025-09-10): dated cpa letter upld to trl docs<br>Reviewer Comment (2025-09-04): Unable to clear. The CPA letter does not contain a date.<br>Buyer Comment (2025-09-02): the [redacted] letter and [redacted] license were provided at the same time, license confirms date of [redacted]. | 09/12/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223963589 | [Redacted] | [Redacted] |  | 34315332 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to CPA letter is not dated. There is no other current verification of business existence. |  |  |  | Reviewer Comment (2025-09-12): Received dated CPA letter.<br>Buyer Comment (2025-09-10): dated cpa letter upld to trl docs<br>Reviewer Comment (2025-09-04): Unable to clear. The CPA letter does not contain a date.<br>Buyer Comment (2025-09-02): the [redacted] letter and [redacted] license were provided at the same time, license confirms date of [redacted]. | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223963589 | [Redacted] | [Redacted] |  | 34315337 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Unable to clear. The CPA letter does not contain a date. |  |  |  | Reviewer Comment (2025-09-12): Received dated CPA letter.<br>Buyer Comment (2025-09-10): dated cpa letter upld to trl docs<br>Reviewer Comment (2025-09-04): Unable to clear. The CPA letter does not contain a date.<br>Buyer Comment (2025-09-02): the cpa letter and cpa license were provided at the same time, license confirms date of [redacted] | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223963589 | [Redacted] | [Redacted] |  | 34315344 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Waterfall due to CPA letter is not dated. There is no other current verification of business existence. |  |  |  | Reviewer Comment (2025-09-12): Received dated CPA letter.<br>Buyer Comment (2025-09-10): dated cpa letter upld to trl docs<br>Reviewer Comment (2025-09-04): Unable to clear. The CPA letter does not contain a date.<br>Buyer Comment (2025-09-02): the cpa letter and cpa license were provided at the same time, license confirms date of [redacted] | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223963623 | [Redacted] | [Redacted] |  | 34314799 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-04): Esign consent provided<br>Buyer Comment (2025-09-03): eConsent | 09/04/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223963629 | [Redacted] | [Redacted] |  | 34315727 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower pays cash to [redacted]. Conditions: [redacted]% LTV MAX, Minimum [redacted] DSCR, Subject to meeting all other signature expanded guidelines requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Client elected to waive exceptions with compensating factors. |  |  | 08/28/2025 | 2 B |  | MN | Investment | Purchase | B A |  | N/A | No |
| 223964673 | [Redacted] | [Redacted] |  | 34315026 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-04): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-09-02): econsent | 09/04/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223964673 | [Redacted] | [Redacted] |  | 34315090 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to Loan Discount Points. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received COC dated [redacted] and [redacted].<br>Buyer Comment (2025-09-03): COC | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223964673 | [Redacted] | [Redacted] |  | 34315095 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to Extension Fee. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-05): [redacted] received COC dated [redacted] and [redacted]. | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223964673 | [Redacted] | [Redacted] |  | 34324638 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for ITIN/DACA applicant Cash-Out Refinance at [redacted]% however guidelines for ITIN/DACA max is [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-29): Preapproved exception |  |  | 08/29/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223964674 | [Redacted] | [Redacted] |  | 34315796 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] [redacted] - No evidence of required counseling disclosure language per [redacted] HB 1399. |  |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 223964674 | [Redacted] | [Redacted] |  | 34315797 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 223964674 | [Redacted] | [Redacted] |  | 34315798 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 223964674 | [Redacted] | [Redacted] |  | 34315800 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided At Closing |  | 08/28/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223964674 | [Redacted] | [Redacted] |  | 34324963 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved due to tax transcripts not showing 1099 income. Condition for Max [redacted]% LTV. | Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-29): Client elected to waive exceptions with compensating factors. |  |  | 08/29/2025 | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 223971969 | [Redacted] | [Redacted] |  | 34315749 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-04): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-09-02): E Consent | 09/04/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223971969 | [Redacted] | [Redacted] |  | 34315763 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided At Closing |  | 08/28/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223971978 | [Redacted] | [Redacted] |  | 34322435 |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. | ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  | Reviewer Comment (2025-09-09): Loan program changed to ARM on [redacted]<br>Buyer Comment (2025-09-05): PC Cert | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 223971980 | [Redacted] | [Redacted] |  | 34325523 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for short reserves. Condition for [redacted] months reserves on Subject Property and [redacted] months on REO. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-29): Preapproved exception |  |  | 08/29/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223971981 | [Redacted] | [Redacted] |  | 34322667 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for non-warrantable condo - Condotel. The exception is approved with conditions: Provide signed/dated LOE from applicant motivation to purchase investments in [redacted] and how the applicate manage subject at a distance. Document reserves requirements and subject to meeting all other signature expanded guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 223971981 | [Redacted] | [Redacted] |  | 34322682 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for non-warrantable condo - investor concentration >[redacted]% The exception is approved with conditions: Provide signed/dated LOE from applicant motivation to purchase investments in [redacted] and how the applicate manage subject at a distance. Document reserves requirements and subject to meeting all other signature expanded guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 223972818 | [Redacted] | [Redacted] |  | 34331832 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit application for the borrower reflects citizenship as permanent resident alien however a permanent resident card is not located in the file. A USA passport is provided. |  |  |  | Reviewer Comment (2025-09-10): updated per dated [redacted] was provided<br>Buyer Comment (2025-09-08): URLA | 09/10/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223972826 | [Redacted] | [Redacted] |  | 34323772 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([redacted]) business days of application. | Initial LE provided on [redacted] with application date shown as [redacted]. |  |  |  | Reviewer Comment (2025-09-03): [redacted] received initial LE dated [redacted].<br>Buyer Comment (2025-09-02): initial le/tracking upld | 09/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223972826 | [Redacted] | [Redacted] |  | 34323813 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded due to recording fee disclosed as $[redacted] and then as $[redacted] on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-03): [redacted] received initial LE dated [redacted]<br>Buyer Comment (2025-09-02): invalid condition - the recording fee was disclosed as $[redacted]and decreased to $[redacted] on the final CD. | 09/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223972826 | [Redacted] | [Redacted] |  | 34323814 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee disclosed as $[redacted] on initial LE and then as $[redacted] on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-09-09): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-05): [redacted] docs with cure and [redacted] trk upld |  | 09/09/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223973599 | [Redacted] | [Redacted] |  | 34322909 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender request exception for non-warrantable condo due to pre-sales. Compensating factors are Loan To Value [redacted]% or More under requirement and FICO [redacted] Points or More Above Requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. |  |  | 09/02/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223973606 | [Redacted] | [Redacted] |  | 34324473 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for First time homebuyer unable to mee the requirements to obtain a landlord history waiver. <br> Conditions:<br> -.[redacted] exception for not meeting Landlord waiver requirements.<br> LTV to a max of [redacted]%<br> Borrower to provide LOX on how he plans to manage subject at distance<br> Provide evidence of minimum [redacted] months reserves<br> Borrower to sign acknowledgement that they may be subject to post-closing occupancy inspection.<br> Subject to credit committee review for occupancy.<br> Subject to meeting all other signature guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. |  |  | 09/02/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223973606 | [Redacted] | [Redacted] |  | 34324495 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Rental history - due to borrower is unable to provide the required cancelled checks/proof of payment history, as all payments have been made in cash; VOR (private landlord) + lease agreement and rent ledger are provided.<br> Conditions: -.[redacted] exception fee for lack of rental documentation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. |  |  | 09/02/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223973609 | [Redacted] | [Redacted] |  | 34323205 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for non-warrantable condo due to pre-sales. Conditions: Loan To Value [redacted]% or More Under Requirement, FICO [redacted] Points or More Above Requirement and Long-Term Home Ownership (>[redacted] years). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Lender exception added.<br>Buyer Comment (2025-09-08): exception form<br>Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. | 09/10/2025 |  |  | 1 B A |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223973951 | [Redacted] | [Redacted] |  | 34322476 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | TN | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223973952 | [Redacted] | [Redacted] |  | 34322755 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Deeds / Warranty / Grant / Quit-Claim reflecting transfer deed is missing |  |  |  | Reviewer Comment (2025-09-03): Received Grant Deed in the file. Exception Cleared.<br>Buyer Comment (2025-09-02): Deed of Trust<br>Buyer Comment (2025-09-02): Deed | 09/03/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223973954 | [Redacted] | [Redacted] |  | 34321884 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-09-15): Title commitment with policy amount received. Exception Cleared.<br>Buyer Comment (2025-09-11): title commitment | 09/15/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 223974017 | [Redacted] | [Redacted] |  | 34322782 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-09-05): Title policy amount provided<br>Buyer Comment (2025-09-04): title | 09/05/2025 |  |  | 1 B A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
| 223974017 | [Redacted] | [Redacted] |  | 34323281 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase contract not provided in file. |  |  |  | Reviewer Comment (2025-09-05): purchase contract provided<br>Buyer Comment (2025-09-03): Sales contract | 09/05/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
| 223974017 | [Redacted] | [Redacted] |  | 34342002 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The mortgage statement for the Country Grove property is not located in the file. |  |  |  | Reviewer Comment (2025-09-05): mortgage statement was provided<br>Buyer Comment (2025-09-04): mortgage statement | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
| 223974020 | [Redacted] | [Redacted] |  | 34322825 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. |  |  |  | Reviewer Comment (2025-10-01): Proof of appraisal delivery received, exception cleared | 10/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223974020 | [Redacted] | [Redacted] |  | 34322826 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Documentation for proof borrower received appraisal dated [redacted] is not located in the file. |  |  |  | Reviewer Comment (2025-10-01): Proof of appraisal delivery received, exception cleared<br>Buyer Comment (2025-09-29): Please see proof sent to borrower and apply mailbox rule. | 10/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223974020 | [Redacted] | [Redacted] |  | 34322832 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to Appraisal Fee. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-16): [redacted] docs with cure & proof of delivery upld |  | 09/17/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223974020 | [Redacted] | [Redacted] |  | 34322833 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to Credit Report Fee., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-04): Please clear [redacted] , cure of $[redacted] included in total $[redacted] cure issued at closing on final cd, itemization upld to confirm $[redacted] was initially disclosed. | 09/05/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223974020 | [Redacted] | [Redacted] |  | 34341225 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Initial [redacted] Rate Lock document is missing from the file and is required. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received rate lock<br>Buyer Comment (2025-09-04): initial lock upld | 09/08/2025 |  |  | 1 C A D |  | GA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223974020 | [Redacted] | [Redacted] |  | 34341238 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Documentation for proof borrower received appraisal dated [redacted] is not located in the file. |  |  |  | Reviewer Comment (2025-09-08): Cleared. Received appraisal receipt confirmation.<br>Buyer Comment (2025-09-05): [redacted] bwr esigned lox confirming [redacted] [redacted]. | 09/08/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 223974024 | [Redacted] | [Redacted] |  | 34322772 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | There is bridge loan/secured loan of $[redacted]. However, there are no supporting documents provided to verify funds. |  |  |  | Reviewer Comment (2025-09-09): CD received of [redacted] loan, reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-09-05): [redacted] Loan Documentation | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223974024 | [Redacted] | [Redacted] |  | 34322778 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to exclude PITI from departing residence with 16.67% equity is approved. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. |  |  | 09/02/2025 | 2 B |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223974024 | [Redacted] | [Redacted] |  | 34322801 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing reserve requirement: There is bridge loan/secured loan of $[redacted]. However, there are no supporting documents provided to verify funds. [redacted] months reserves not provided. |  |  |  | Reviewer Comment (2025-09-09): CD received of [redacted] loan, reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-09-05): Please clear, [redacted] loan documents uploaded today. | 09/09/2025 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223974024 | [Redacted] | [Redacted] |  | 34322802 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing reserve requirement: There is bridge loan/secured loan of $[redacted]. However, there are no supporting documents provided to verify funds. [redacted] months reserves not provided. |  |  |  | Reviewer Comment (2025-09-09): CD received of [redacted] loan, reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-09-05): Please clear, [redacted] loan documents uploaded today. | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223974024 | [Redacted] | [Redacted] |  | 34341021 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing reserve requirement: There is bridge loan/secured loan of $[redacted]. However, there are no supporting documents provided to verify funds. [redacted] months reserves not provided. |  |  |  | Reviewer Comment (2025-09-09): CD received of [redacted] loan, reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-09-05): Please clear, [redacted] loan documents uploaded today. | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223974024 | [Redacted] | [Redacted] |  | 34341023 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | There is bridge loan/secured loan of $[redacted]. However, there are no supporting documents provided to verify funds. [redacted] months reserves not provided. |  |  |  | Reviewer Comment (2025-09-09): CD received of [redacted] loan, reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-09-05): Please clear, [redacted] loan documents uploaded today. | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223974024 | [Redacted] | [Redacted] |  | 34341524 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted]. |  |  |  | Reviewer Comment (2025-09-09): CD received of [redacted] loan, reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-09-05): Please clear, [redacted] loan documents uploaded today. | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223974024 | [Redacted] | [Redacted] |  | 34341583 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-11): Received Sales contract, exception cleared<br>Buyer Comment (2025-09-09): Please see sales contract [redacted] , property is under contract<br>Reviewer Comment (2025-09-09): L O E confirming intends to list/sale of property required. Exception Remains.<br>Buyer Comment (2025-09-05): Please clear, [redacted] loan documents uploaded today. | 09/11/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223974025 | [Redacted] | [Redacted] |  | 34323091 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. |  |  |  | Reviewer Comment (2025-09-11): Appraisal receipt provided.<br>Buyer Comment (2025-09-11): sure receipts and proof of cda sent to borrower<br>Reviewer Comment (2025-09-10): Email sent to reviewer.<br>Buyer Comment (2025-09-08): PC Cert | 09/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223974025 | [Redacted] | [Redacted] |  | 34323093 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence of borrower's receipt of the CDA dated [redacted] and the subsequent appraisal with a report date of [redacted] was not located in the file. |  |  |  | Reviewer Comment (2025-09-11): Appraisal receipt provided.<br>Buyer Comment (2025-09-11): sure receipts and proof of cda sent to borrower<br>Reviewer Comment (2025-09-10): Email sent to reviewer.<br>Buyer Comment (2025-09-08): PC Cert | 09/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223974026 | [Redacted] | [Redacted] |  | 34341699 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved to allow the use of the deferment exit payment for student loans as documented on student loan paperwork. Condition to Max [redacted]% LTV. | Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. |  |  | 09/02/2025 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223974028 | [Redacted] | [Redacted] |  | 34326006 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Rent loss coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-09-08): Received Replacement Cost Estimator email from the insurance company in the file. Exception Cleared.<br>Buyer Comment (2025-09-05): RCE | 09/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223974736 | [Redacted] | [Redacted] |  | 34322972 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for excessive deductible on condo project's master building insurance for water leak coverage. The exception is approved with borrower's HO6 policy must cover water leak damage with a deductible not > $[redacted], All other [redacted] guidelines must be met and exception [redacted]cited above is in addition to rate sheet [redacted]for "[redacted] Condo." | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. |  |  | 09/02/2025 | 2 B |  | NV | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223975456 | [Redacted] | [Redacted] |  | 34323309 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted] business days of application. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five business days of application. |  |  |  | Reviewer Comment (2025-09-10): Received updated initial application that has property address.<br>Buyer Comment (2025-09-08): [redacted] - Subject Property was a [redacted]<br>Reviewer Comment (2025-09-08): Disclosure tracking does not show received by borrower within [redacted] business days of application. (application date [redacted]). Exception remains.<br>Buyer Comment (2025-09-04): Disclosure Tracking | 09/10/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 223975456 | [Redacted] | [Redacted] |  | 34323312 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-09-10): Received updated initial application that has property address.<br>Buyer Comment (2025-09-10): [redacted]<br>Reviewer Comment (2025-09-09): [redacted] received rebuttal comment. The initial [redacted] in file is with TBD address however, there is no initial [redacted] in file with actual application date and all [redacted] pieces of information. Please provide [redacted] and information when lender has received all [redacted] pieces of information.<br>Buyer Comment (2025-09-08): Subject Property [redacted]<br>Reviewer Comment (2025-09-08): The timing for the LE under § [redacted](e)([redacted])([redacted]) is [redacted] business days from application. Initial LE issued [redacted]. On this loan, the LE should have been issued within [redacted] business days of the broker application date of[redacted].<br>Buyer Comment (2025-09-04): Disclosure Tracking uploaded | 09/10/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 223975586 | [Redacted] | [Redacted] |  | 34323809 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. (Final/[redacted]) |  |  |  | Reviewer Comment (2025-09-08): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-09-06): initial CD | 09/08/2025 |  |  | 1 C A |  | VA | Second Home | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 223975586 | [Redacted] | [Redacted] |  | 34323811 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure amount provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | VA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223975586 | [Redacted] | [Redacted] |  | 34342182 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee increased by $[redacted] however no valid Changed Circumstance or Cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-06): Cured in section [redacted] with $[redacted] cure | 09/08/2025 |  |  | 1 C A |  | VA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223975586 | [Redacted] | [Redacted] |  | 34342183 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Re-Inspection Appraisal fee increased by $[redacted] however no valid Changed Circumstance or Cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-23): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-22): PCCD |  | 09/23/2025 |  | 2 C B |  | VA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223976945 | [Redacted] | [Redacted] |  | 34342568 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request due to Section [redacted]. Exception for LTV and lack of comparable sales. The subject property is a [redacted]. The subject is a legally zoned [redacted] located in an urban area. Property is on a traditional urban lot with public utilities | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors. |  |  | 09/03/2025 | 2 B |  | OH | Primary | Purchase | B A | Non QM | Non QM | No |
| 223977275 | [Redacted] | [Redacted] |  | 34342360 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow [redacted] LTV on a property that is designated by the appraiser. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has worked in the same position for more than [redacted] years. | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-03): Client elected to waive exceptions with compensating factors. |  |  | 09/03/2025 | 2 B |  | MS | Primary | Purchase | B A | Non QM | Non QM | No |
| 223977276 | [Redacted] | [Redacted] |  | 34345452 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUC/CD for the subject loan is missing. |  |  |  | Reviewer Comment (2025-09-10): Received executed closing statement in the file. Exception Cleared.<br>Buyer Comment (2025-09-09): ALTA<br>Reviewer Comment (2025-09-09): Received closing statement is not executed by the borrower. Exception remains.<br>Buyer Comment (2025-09-06): Final HUD statement uploaded - [redacted]<br>Buyer Comment (2025-09-06): Final HUD | 09/10/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223977286 | [Redacted] | [Redacted] |  | 34334164 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to most recent [redacted] months Bank statement not provided in file account number ending with [redacted] Gift letter, wire confirmation, deposit receipt, Bank statement, Donor check not provided in file for Gift amount [redacted]. Source document for earnest money is not provided in file. |  |  |  | Reviewer Comment (2025-09-24): asset docs provided<br>Buyer Comment (2025-09-23): Please see asset documentation provided today to clear | 09/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34334201 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34334202 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted]. Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive.<br>Reviewer Comment (2025-09-24): The HPML Disclosure was not provided.<br>Buyer Comment (2025-09-24): Please clarify condition, escrows are not waived, and appraisal was provided. |  |  | 09/26/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34334203 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Application date in file is [redacted]and e-sign consent received on[redacted] |  |  |  | Reviewer Comment (2025-09-23): [redacted] received LOS summary for initial LE sent via [redacted].<br>Buyer Comment (2025-09-23): Please see confirmation disclosures were mailed prior to eConsent. | 09/23/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34334208 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to most recent [redacted] months Bank statement not provided in file account number ending with [redacted]. Gift letter, wire confirmation, deposit receipt, Bank statement, Donor check not provided in file for Gift amount [redacted] Source document for earnest money is not provided in file. |  |  |  | Reviewer Comment (2025-09-24): Asset docs provided<br>Buyer Comment (2025-09-23): Duplicate please waive<br>Buyer Comment (2025-09-23): EM and Gift | 09/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34335083 |  |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter not provided. |  |  |  | Reviewer Comment (2025-09-24): Gift letter provided<br>Buyer Comment (2025-09-23): Gift | 09/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34343564 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted] months account statements for checking account ending [redacted] to verify assets are missing from the file. |  |  |  | Reviewer Comment (2025-09-24): account statement was provided<br>Buyer Comment (2025-09-23): [redacted] CNR: AL uploaded asset documentation | 09/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34343570 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted]months account statements for savings account ending[redacted] to verify assets are missing from the file. |  |  |  | Reviewer Comment (2025-09-24): account statements were provided<br>Buyer Comment (2025-09-23): [redacted] months | 09/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34343572 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted]months account statements for retirement account ending [redacted]to verify assets are missing from the file. |  |  |  | Reviewer Comment (2025-09-24): account statements were provided<br>Buyer Comment (2025-09-23): Duplicated please waive<br>Buyer Comment (2025-09-23): Duplicate please waive<br>Buyer Comment (2025-09-23): [redacted] months<br>Buyer Comment (2025-09-23): [redacted] account | 09/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977286 | [Redacted] | [Redacted] |  | 34343642 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] months account statements to verify assets are missing from the file resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-09-24): Asset docs provided<br>Buyer Comment (2025-09-23): Please see asset documentation uploaded today | 09/24/2025 |  |  | 1 B A C |  | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223977292 | [Redacted] | [Redacted] |  | 34333662 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Bank Statements for the months of [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-09): Bank Statements received.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank [redacted] upld | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977292 | [Redacted] | [Redacted] |  | 34333672 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Bank Statements for the months of [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-09): Bank Statements received.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank stmnts upld to [redacted] docs | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977292 | [Redacted] | [Redacted] |  | 34333691 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Bank Statements for the months of [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-15): Updated bank statements received.<br>Buyer Comment (2025-09-11): [redacted] stmnt upld<br>Reviewer Comment (2025-09-09): Updated bank statements received, but reserve requirement is not yet met. As per final [redacted] and [redacted] , the balance of A/C #[redacted] is mentioned as $[redacted] . But the balance is only $[redacted] as per [redacted] [redacted] statement.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank stmnts upld to trl docs | 09/15/2025 |  |  | 1 B A C |  | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223977292 | [Redacted] | [Redacted] |  | 34333692 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to Bank Statements for the months of [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-15): Updated bank statements received.<br>Buyer Comment (2025-09-11): [redacted] stmnt upld to trl docs<br>Reviewer Comment (2025-09-09): Updated bank statements received, but reserve requirement is not yet met. As per final [redacted] and [redacted] , the balance of A/C #[redacted] is mentioned as $[redacted] . But the balance is only $[redacted] as per [redacted] [redacted] statement.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank stmnts upld to trl docs | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977292 | [Redacted] | [Redacted] |  | 34333694 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Bank Statements for the months of [redacted] and [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-09): Bank Statements received.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank stmnts upld to trl docs | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977292 | [Redacted] | [Redacted] |  | 34333695 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-09-18): Client elects to waive.<br>Reviewer Comment (2025-09-09): Reached out to CCM management.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank stmnts upld to trl docs |  |  | 09/18/2025 | 2 B |  | MA | Primary | Refinance - Rate/Term | No obvious cure C B A | Non QM | Non QM | No |
| 223977292 | [Redacted] | [Redacted] |  | 34333700 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Bank Statements for the months of [redacted] and [redacted] are missing in file. |  |  |  | Reviewer Comment (2025-09-09): Bank Statements received.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank stmnts upld to trl docs | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977292 | [Redacted] | [Redacted] |  | 34333713 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified reserves of [redacted] months is less than[redacted] months requirement. |  |  |  | Reviewer Comment (2025-09-15): Updated bank statements received.<br>Buyer Comment (2025-09-11): [redacted] stmnt upld to trl docs<br>Reviewer Comment (2025-09-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br>Reviewer Comment (2025-09-09): Updated bank statements received, but reserve requirement is not yet met. As per final [redacted] and [redacted] , the balance of A/C #[redacted]is mentioned as $[redacted]. But the balance is only $[redacted]as per [redacted] [redacted]statement.<br>Buyer Comment (2025-09-05): [redacted] & [redacted] [redacted] business bank stmnts upld to trl docs | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977292 | [Redacted] | [Redacted] |  | 34350557 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Documentation to verify a [redacted] - month housing history is not located in the file. |  |  |  | Reviewer Comment (2025-09-10): Received [redacted] months payment history for the subject property. Exception cleared.<br>Buyer Comment (2025-09-08): vom upld | 09/10/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977294 | [Redacted] | [Redacted] |  | 34333656 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-04): Esign consent provided.<br>Buyer Comment (2025-09-04): econsent | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977294 | [Redacted] | [Redacted] |  | 34350547 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for unable to provide solid documentation showing current arrears balance is covid related. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors. |  |  | 09/03/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977294 | [Redacted] | [Redacted] |  | 34350573 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing the most recent [redacted] month payment history for the subject property. |  |  |  | Reviewer Comment (2025-09-08): Received [redacted] months payment history for the subject property. Exception cleared.<br>Buyer Comment (2025-09-04): VOR | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977294 | [Redacted] | [Redacted] |  | 34350584 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing one of the following for business assets. CPA letter indicating the use of funds will not affect the business or a recent [redacted] month cash flow analysis. |  |  |  | Reviewer Comment (2025-09-08): CPA letter was provided.<br>Buyer Comment (2025-09-04): CPA letter | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977294 | [Redacted] | [Redacted] |  | 34350659 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing evidence of borrower's ownership interest in the business. Please provide a CPA letter or equivalent to verify borrower's ownership percentage in the business being used for income bank statements. |  |  |  | Reviewer Comment (2025-09-08): CPA letter was provided. | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977294 | [Redacted] | [Redacted] |  | 34350664 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to missing evidence of borrower's ownership in the business and proof use of business funds will not affect the business operations. |  |  |  | Reviewer Comment (2025-09-08): CPA letter was provided | 09/08/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223977294 | [Redacted] | [Redacted] |  | 34350665 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Failure due to missing evidence of borrower's ownership in the business and proof use of business funds will not affect the business operations. |  |  |  | Reviewer Comment (2025-09-08): CPA letter was provided | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977294 | [Redacted] | [Redacted] |  | 34373197 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated[redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Evidence of earlier borrower receipt was not found in file. E-sign consent was signed on[redacted], initial L E was provided on [redacted] |  |  |  | Reviewer Comment (2025-09-17): [redacted] received disclosure summary suffice<br>Buyer Comment (2025-09-16): Initial disclosure sent via mail [redacted] | 09/17/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223977313 | [Redacted] | [Redacted] |  | 34334222 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-09-05): Received Executed Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2025-09-03): Settlement Statement | 09/05/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223977334 | [Redacted] | [Redacted] |  | 34333904 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted]exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | [redacted] fee tolerance exceeded due to recording fee being increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-08): PC Cert | 09/09/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223977334 | [Redacted] | [Redacted] |  | 34333905 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Level Price Adjustment. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Loan level price adjustment fee disclosed on initial CD as[redacted] and then increased to [redacted] on final CD without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-09): [redacted] Received Valid COC dated [redacted]<br>Buyer Comment (2025-09-08): PC Cert + CDs | 09/09/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223977334 | [Redacted] | [Redacted] |  | 34333907 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax[redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-09-19): [redacted] received valid COC document<br>Buyer Comment (2025-09-17): coc + quit claim deed<br>Reviewer Comment (2025-09-09): [redacted] received rebuttal.However, the fee added on CD dated [redacted] for $[redacted] . Kindly provide a valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-09): Please review documents, the transfer taxes were disclosed as $[redacted] beginning with the initial LE and only increased by [redacted] on the final CD.<br>Reviewer Comment (2025-09-09): [redacted] Transfer taxes $[redacted] added on CD dated [redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-08): PC Cert | 09/19/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223977334 | [Redacted] | [Redacted] |  | 34348520 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated Available for Reserves of[redacted] is less than Guideline Available for Reserves of [redacted] months |  |  |  | Reviewer Comment (2025-09-24): Cash flow analysis document received and verified. Exception cleared.<br>Buyer Comment (2025-09-23): Cash flow analysis<br>Reviewer Comment (2025-09-10): A Complete a Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet with review of the most recent [redacted] months of business account statement to use for closing/reserve funds verifiecation is not located in the file.<br>Buyer Comment (2025-09-08): PC Cert | 09/24/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223977334 | [Redacted] | [Redacted] |  | 34348534 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of [redacted] are insufficient to meet cash to close of [redacted]. Cash flow analysis or CPA letter confirming wiithddrawal from business account would not have negative impact. |  |  |  | Reviewer Comment (2025-09-24): Cash flow analysis document received and verified. Exception cleared.<br>Buyer Comment (2025-09-23): Cash flow analysis has been provided<br>Reviewer Comment (2025-09-10): A Complete a Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet with review of the most recent [redacted] months of business account statement to use for closing/reserve funds verifiecation is not located in the file.<br>Buyer Comment (2025-09-09): wire confirmation from net proceeds of sold property | 09/24/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223977334 | [Redacted] | [Redacted] |  | 34348552 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to missing cash flow analysis or CPA letter. |  |  |  | Reviewer Comment (2025-09-24): Cash flow analysis document received and verified. Exception cleared.<br>Buyer Comment (2025-09-23): Cash flow analysis has been provided<br>Reviewer Comment (2025-09-10): A Complete a Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet with review of the most recent [redacted] months of business account statement is not located in the file.<br>Buyer Comment (2025-09-09): cash flow analysis was provided with initial submission package | 09/24/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223977334 | [Redacted] | [Redacted] |  | 34348553 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to missing cash flow analysis or CPA letter. |  |  |  | Reviewer Comment (2025-09-24): Cash flow analysis document received and verified. Exception cleared.<br>Buyer Comment (2025-09-23): Cash flow analysis has been provided<br>Reviewer Comment (2025-09-10): A Complete a Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet with review of the most recent [redacted] months of business account statement is not located in the file.<br>Buyer Comment (2025-09-09): cash flow analysis was provided with initial submission package | 09/24/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223977334 | [Redacted] | [Redacted] |  | 34348577 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | CPA letter or cash flow analysis was not provided. |  |  |  | Reviewer Comment (2025-09-24): Cash flow analysis document received and verified. Exception cleared.<br>Buyer Comment (2025-09-23): Cash flow analysis has been provided<br>Reviewer Comment (2025-09-10): A Complete a Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet with review of the most recent [redacted] months of business account statement is not located in the file.<br>Buyer Comment (2025-09-08): PC Cert | 09/24/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223977334 | [Redacted] | [Redacted] |  | 34348582 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-09-24): Cash flow analysis document received and verified. Exception cleared.<br>Buyer Comment (2025-09-23): Cash flow analysis has been provided<br>Reviewer Comment (2025-09-10): A Complete a Cash Flow Analysis utilizing the Signature Expanded Business Asset Cash Flow Worksheet with review of the most recent [redacted] months of business account statement is not located in the file.<br>Buyer Comment (2025-09-08): PC cert provided stating borrower has enough reserves | 09/24/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223977334 | [Redacted] | [Redacted] |  | 34497469 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223977334 | [Redacted] | [Redacted] |  | 34497470 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223977339 | [Redacted] | [Redacted] |  | 34333530 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing tax and insurance verification documentation for [redacted] |  |  |  | Reviewer Comment (2025-09-05): Cleaered. Received REO documents.<br>Buyer Comment (2025-09-03): taxes, ins, mtg stmnt and no hoa lox upld | 09/05/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977339 | [Redacted] | [Redacted] |  | 34333534 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for non-warrantable condo consisting of [redacted] commercial space is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive.<br>Buyer Comment (2025-09-03): please change cond status to waived, exception aprvl upld.<br>Reviewer Comment (2025-09-03): Client elected to waive exceptions with compensating factors. |  |  | 09/05/2025 | 2 B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223977339 | [Redacted] | [Redacted] |  | 34333542 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD provided to borrower two days before closing on [redacted] |  |  |  | Reviewer Comment (2025-09-09): [redacted] received [redacted] [redacted] [redacted] business days prior to consummation.<br>Buyer Comment (2025-09-06): initial[redacted] cd/tracking upld<br>Reviewer Comment (2025-09-05): [redacted] : CD dated [redacted] & [redacted] is located in file. CD dated [redacted] CD received on [redacted], and the Consummation date is [redacted]. Please provide the CD issued to borrower [redacted] business days prior to review.<br>Buyer Comment (2025-09-03): invalid cond - the CD sent[redacted] was revised due to a pay off amount. The APR didn't change so a three day waiting period wasn't required, [redacted] coc is on [redacted] and revised pay off is on [redacted]. | 09/09/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223977341 | [Redacted] | [Redacted] |  | 34333871 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-04): Esign consent provided.<br>Buyer Comment (2025-09-03): Consent | 09/04/2025 |  |  | 1 C A |  | NM | Primary | Purchase | C A | Non QM | Non QM | No |
| 223977341 | [Redacted] | [Redacted] |  | 34333879 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-09-05): Cleared. Final [redacted]/[redacted] dated [redacted].<br>Buyer Comment (2025-09-03): Final Inspection completed[redacted] | 09/05/2025 |  |  | 1 C A |  | NM | Primary | Purchase | C A | Non QM | Non QM | No |
| 223977341 | [Redacted] | [Redacted] |  | 34333896 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | NM | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223977341 | [Redacted] | [Redacted] |  | 34365629 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-09-09): [redacted] received disclosure summary suffice<br>Buyer Comment (2025-09-05): System hard stop in place that requires borrowers to accept E Consent prior to viewing any documentation. | 09/09/2025 |  |  | 1 A |  | NM | Primary | Purchase | C A | Non QM | Non QM | No |
| 223977861 | [Redacted] | [Redacted] |  | 34339509 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for use of appraised value for LTV calculation. Request for eligibility of subject property. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223977861 | [Redacted] | [Redacted] |  | 34339632 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow use of the lease instead of market rents. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223977865 | [Redacted] | [Redacted] |  | 34333726 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Lender approved exception at origination for LTV. Max LTV for cash out refinance with vacant property is [redacted ]The exception is approved with conditions: max [redacted] LTV. Borrower to provide copy of newly executed [redacted] and evidence of first month rent/deposits and subject to meeting all other [redacted] guideline requirements. All other conditions are met but Calculated LTV [redacted] |  |  |  | Reviewer Comment (2025-09-17): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-09-15): PC Cert | 09/17/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223977867 | [Redacted] | [Redacted] |  | 34333728 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for using Air DNA to qualify and occupancy rate is [redacted] when minimum requirement is [redacted] | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223977867 | [Redacted] | [Redacted] |  | 34343144 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for borrower doesn't meet requirements of landlord history [redacted] because has not owned primary residence for [redacted] months. The exception is approved for minimum [redacted] months reserves and subject to meeting all other [redacted] guideline requirements. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223978347 | [Redacted] | [Redacted] |  | 34333806 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception needed due to Section[redacted] Mixed Use Property Appraisal Form. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 223978347 | [Redacted] | [Redacted] |  | 34343300 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | File is missing the final Hud/CD from the sale of [redacted] |  |  |  | Reviewer Comment (2025-10-07): Cleared. Received required document.<br>Buyer Comment (2025-10-06): Please clear; [redacted] Exchange confirmation letter from [redacted] in file matches final CD $[redacted] funds received. No additional documentation should be needed.<br>Reviewer Comment (2025-09-09): Received bank statement and [redacted] exchange settlement statement. Require closing statement for the sold property. Exception remains.<br>Buyer Comment (2025-09-06): [redacted] Exchange | 10/07/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 223978349 | [Redacted] | [Redacted] |  | 34334220 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of [redacted] is less than the note amount of [redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-09-05): Received Title Final. Exception Cleared.<br>Buyer Comment (2025-09-04): final policy $[redacted] upld | 09/05/2025 |  |  | 1 B A |  | OH | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223978349 | [Redacted] | [Redacted] |  | 34334221 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy |  |  |  | Reviewer Comment (2025-09-05): Received Title Final. Exception Cleared. | 09/05/2025 |  |  | 1 A |  | OH | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223978887 | [Redacted] | [Redacted] |  | 34343504 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-16): [redacted] received Post CD and LOX.<br>Buyer Comment (2025-09-15): PCCD | 09/16/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223978887 | [Redacted] | [Redacted] |  | 34343505 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of[redacted]exceeds tolerance o[redacted] Insufficient or no cure was provided to the borrower. | Fee Amount of [redacted] exceeds tolerance of[redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-24): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-09-23): rebuttal in PC efolder<br>Reviewer Comment (2025-09-19): [redacted] received Lender attestation stating borrower required pest inspection. Therefore, we would require Pest inspection to be moved to Section [redacted] along with LOX in order to clear the exception.<br>Buyer Comment (2025-09-18): PC Cert<br>Reviewer Comment (2025-09-16): [redacted] is unable to determine from the file whether the lender or title company requried the Pest Inspection. If the lender required the Pest Inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest Inspection, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-09-15): PCCD | 09/24/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223978888 | [Redacted] | [Redacted] |  | 34341809 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted][redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] on Final Closing Disclosure provided on[redacted] are underdisclosed. | Non-escrowed property costs disclosed as[redacted] vs actual calculated amount of[redacted] |  |  |  | Reviewer Comment (2025-09-08): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-09-05): pccd docs upld |  | 09/08/2025 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223978981 | [Redacted] | [Redacted] |  | 34341554 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Additional [redacted] month consecutive bank statement is required. |  |  |  | Reviewer Comment (2025-09-05): Account ending #[redacted] is newly opened bank account. Exception Cleared.<br>Buyer Comment (2025-09-03): invalid cond - The statement on [redacted] reflects[redacted], new account, vod is on [redacted] | 09/05/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223978981 | [Redacted] | [Redacted] |  | 34341584 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing. |  |  |  | Reviewer Comment (2025-09-05): Received [redacted] in the file. Exception Cleared.<br>Buyer Comment (2025-09-03): unanimous consent & resolution upld | 09/05/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223978981 | [Redacted] | [Redacted] |  | 34341588 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Citizen Status not provided |  | Visa or passport is required. |  |  |  | Reviewer Comment (2025-09-05): Received Employment Authorization in the file. Exception Cleared.<br>Buyer Comment (2025-09-03): non us citizen id upld | 09/05/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223978981 | [Redacted] | [Redacted] |  | 34343464 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Unable to verify taxes for subject property. |  |  |  | Reviewer Comment (2025-09-09): Cleared. Received tax cert.<br>Buyer Comment (2025-09-06): tax office email confirming taxes not assessed yet and tax cert confirming estimated [redacted] taxes-new construction upld | 09/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223978981 | [Redacted] | [Redacted] |  | 34343600 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Security instrument reflects [redacted], however Title and appraisal both reflect Fort [redacted]. File will need either corrected appraisal, flood certificate and title or a corrected security instrument along with a Scriveners affidavit. |  |  |  | Reviewer Comment (2025-09-22): Received [redacted] affidavit correcting county. Condition cleared.<br>Buyer Comment (2025-09-18): recorded [redacted] upld | 09/22/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223979106 | [Redacted] | [Redacted] |  | 34343015 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-10): E-Sign Consent Agreement received, exception cleared<br>Buyer Comment (2025-09-06): eConsent Agreement | 09/10/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223979113 | [Redacted] | [Redacted] |  | 34342396 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is Insufficient with Coverage [redacted] |  |  |  | Reviewer Comment (2025-09-10): Replacement Cost Estimator received, exception cleared<br>Buyer Comment (2025-09-08): RCE | 09/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223979160 | [Redacted] | [Redacted] |  | 34342128 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-17): Initial Application date updated & exception cleared.<br>Buyer Comment (2025-09-16): PC Cert<br>Reviewer Comment (2025-09-11): The timing for the LE under § [redacted](e)([redacted])([redacted]) is [redacted] business days from application. Initial LE issued [redacted]. On this loan, the LE should have been issued within [redacted] business days of the application date of[redacted]<br>Buyer Comment (2025-09-09): PC Cert | 09/17/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223979160 | [Redacted] | [Redacted] |  | 34342130 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of receipt of the loan application. | Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of receipt of the loan application. |  |  |  | Reviewer Comment (2025-09-17): Initial Application date updated & exception cleared.<br>Buyer Comment (2025-09-16): PC Cert<br>Reviewer Comment (2025-09-10): Exception remains. Itemized Disclosure is still missing in file.<br>Buyer Comment (2025-09-09): audit trail | 09/17/2025 |  |  | 1 B A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223979160 | [Redacted] | [Redacted] |  | 34351072 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves [redacted] is less than Guideline Available for Reserves of [redacted] |  |  |  | Reviewer Comment (2025-09-10): Exception cleared. Received Closing Statement for [redacted] Loan and updated correctly.<br>Buyer Comment (2025-09-09): final settlement statement for [redacted] loan | 09/10/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223979160 | [Redacted] | [Redacted] |  | 34351084 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of [redacted] are insufficient to meet cash to close of [redacted] |  |  |  | Reviewer Comment (2025-09-10): Exception cleared. Received Closing Statement for [redacted] Loan and updated correctly.<br>Buyer Comment (2025-09-09): final settlement statement for [redacted] loan | 09/10/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223979160 | [Redacted] | [Redacted] |  | 34492950 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | As per the closing statement the [redacted]. Final Closing Disclosure or Mortgage Statement verifying the PITI of[redacted] is missing. |  |  |  | Reviewer Comment (2025-09-24): Closing Disclosure received and verified. Exception cleared<br>Buyer Comment (2025-09-23): a [redacted] loan [redacted] a refinance loan | 09/24/2025 |  |  | 1 A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223979162 | [Redacted] | [Redacted] |  | 34346880 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non-warrantable condo due to pre-sales. To allow condo unit in a new project currently at[redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors. |  |  | 09/03/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| 223979440 | [Redacted] | [Redacted] |  | 34340763 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use appraised value rather than purchase price on a property owned for[redacted] months. No purchase price, children were simply added to the deed. [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-02): Client elected to waive exceptions with compensating factors. |  |  | 09/02/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223979440 | [Redacted] | [Redacted] |  | 34340839 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-09-09): Received final closing statement in file. Exception cleared.<br>Buyer Comment (2025-09-06): Hello, please see the attached ALTA. [redacted] requests this suspense be cleared. Thank you! | 09/09/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223979440 | [Redacted] | [Redacted] |  | 34340853 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization is missing. |  |  |  | Reviewer Comment (2025-09-09): Provided business purpose certificate. Exception Cleared.<br>Buyer Comment (2025-09-06): Please see [redacted] borrower certification of business purpose, covers cash out utilization and cancel | 09/09/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223979440 | [Redacted] | [Redacted] |  | 34342065 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrowers having no landlord history nor meet the landlord history [redacted] requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-06): Please clarify the condition or clear |  |  | 09/09/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223979440 | [Redacted] | [Redacted] |  | 34342079 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for subject is superior to the primary residences of both borrowers. This was the family home, now that the [redacted] has moved out, the home will be used to generate revenue. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-06): Please clarify the condition or clear |  |  | 09/09/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223980100 | [Redacted] | [Redacted] |  | 34345167 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [redacted] is missing HOA verification document |  |  |  | Reviewer Comment (2025-09-08): Received HOA verification , Exception Cleared<br>Buyer Comment (2025-09-04): Pg [redacted] [redacted] , please cancel | 09/08/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A | N/A | N/A | No |
| 223980101 | [Redacted] | [Redacted] |  | 34344308 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow non-warrantable condo - critical repairs and condotel. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors. |  |  | 09/03/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 223980174 | [Redacted] | [Redacted] |  | 34343431 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-09-05): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-09-03): Fraud | 09/05/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223980174 | [Redacted] | [Redacted] |  | 34349383 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The payoff on the first mortgage only paid [redacted] of the mortgage off. Clarification and proof the entire mortgage was paid off is required. |  |  |  | Reviewer Comment (2025-09-05): Cleared. Received settlement statements for both units to cover payoff amount per the payoff statement.<br>Buyer Comment (2025-09-03): FSS statements for [redacted] and [redacted] | 09/05/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223980174 | [Redacted] | [Redacted] |  | 34349403 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing the most recent [redacted] month payment history for the subject property. |  |  |  | Reviewer Comment (2025-09-26): Per client, The mortgage isn't reporting on credit and therefore does not need to be verified per guidelines.<br>Buyer Comment (2025-09-24): The mortgage isn't reporting on credit and therefore does not need to be verified.<br>Reviewer Comment (2025-09-10): Section[redacted]: Housing Payment History<br> Any housing reference provided or listed on credit (rent or mortgage) must not be more than [redacted] in <br> the most recent [redacted] months, based on either the date of the credit report in the file or mortgage trade lines reporting on credit, unless more recent information is provided. For non-rated trade lines, then it <br> would be based on the most recent documentation in file. A continuous update of the housing <br> payment ratings is not required. In the event that an Applicant has a rolling [redacted] day housing late, the <br> lates will be treated as one late provided the period with the rolling lates does not exceed [redacted] months nor <br> does the delinquency reach [redacted] days. <br> A borrower who is currently rent free or living without a housing payment history is eligible per <br> guidelines, provided they are not a first time home buyer. Their current lack of housing payment must <br> be verified by rent free letter, deed of ownership, and/or any other supporting documentation that can <br> prove status. Also, any housing payments they had responsibility for in the preceding [redacted] month period <br> from application date must be documented.<br> Significant late payments outside the [redacted]month mark not addressed below must be explained and <br> documented to the satisfaction of the Company. The following are acceptable documentation for <br> references which are not listed on credit.<br> Rental History<br> In the underwriter's discretion, verification of rent payment history may be required. If required, the <br> following must be adhered to.<br>Buyer Comment (2025-09-08): Can you please point out in the guidelines where this is required | 09/26/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223980183 | [Redacted] | [Redacted] |  | 34345193 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Survey Fee disclosed as [redacted] on Loan Estimate dated [redacted] but disclosed as [redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-17): [redacted]received corrected PCCD and LOE<br>Buyer Comment (2025-09-16): PCCD<br>Reviewer Comment (2025-09-11): [redacted]received email from title company which states that needed in order to obtain the title insurance policy. However, the email and information provided does not clarify if this was a lender required survey or if the borrower-chosen service provider outsourced the Survey Fee or if it was borrower elected to have survey completed on their own. If this was a lender required fee, then tolerance violation is valid. If it was outsourced by the title company, then an attestation needs to confirm this from the title company. However, if this was a borrower chosen fee, then it should have been disclosed in Section [redacted], which a Corrected CD and LOE to borrower can be provided and it can be removed from testing.<br>Buyer Comment (2025-09-09): Please see LOX<br>Reviewer Comment (2025-09-05): [redacted]received rebuttal. However, on initial LE the survey fee was disclosed as Title - Survey Fee but on final CD it was disclosed without title [redacted] . Please provide LOE explaining why the fee name was changed.<br>Buyer Comment (2025-09-04): Initial LE is showing survey fee | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223980380 | [Redacted] | [Redacted] |  | 34344245 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-22): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-19): pccd docs with cure and proof of delivery upld<br>Reviewer Comment (2025-09-09): [redacted]received Changed Circumstance dated [redacted]but it does not give sufficient information on what new information was received that required to recorded of prior lien to increase the transfer taxes. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-05): coc details upld |  | 09/22/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223980380 | [Redacted] | [Redacted] |  | 34350941 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | File is missing the final CD/HUD from the bridge loan on the departure residence. |  |  |  | Reviewer Comment (2025-09-09): [redacted] loan closing disclosure received. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-09-05): cd for [redacted] loan upld | 09/09/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223981454 | [Redacted] | [Redacted] |  | 34343423 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was not disclosed on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-17): [redacted]Received Valid COC dated [redacted].<br>Buyer Comment (2025-09-16): COC | 09/17/2025 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223981454 | [Redacted] | [Redacted] |  | 34343424 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-09): PC Cert | 09/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223981454 | [Redacted] | [Redacted] |  | 34343454 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception counter offered requesting to permit less than [redacted] days of paystubs - job change not in the same line of work.<br> Conditions met. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elected to waive exceptions with compensating factors. |  |  | 09/03/2025 | 2 B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223981454 | [Redacted] | [Redacted] |  | 34343458 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception counter offered exception Requesting to permit no reserves.<br> Conditions met. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elected to waive exceptions with compensating factors. |  |  | 09/03/2025 | 2 B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223981454 | [Redacted] | [Redacted] |  | 34343465 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception counter offered exception requesting to permit an [redacted] LTV - Non-occupant borrower, method[redacted]<br> Conditions met. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elected to waive exceptions with compensating factors. |  |  | 09/03/2025 | 2 B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223981454 | [Redacted] | [Redacted] |  | 34350899 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee [redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-09-29): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-26): PCCD<br>Reviewer Comment (2025-09-23): [redacted]Received Corrected PCCD, LOE and Proof of Mailing; however, copy of check not received. Also, [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing and Copy of check required to cure.<br>Buyer Comment (2025-09-22): [redacted]<br>Buyer Comment (2025-09-22): pccd<br>Buyer Comment (2025-09-22): pccd lox<br>Reviewer Comment (2025-09-17): [redacted]Received COC dated [redacted] stating Appraisal review fee $[redacted]required is not valid reason. Provide additional information along with supporting document for addition of Appraisal review fee.<br>Buyer Comment (2025-09-16): COC |  | 09/29/2025 |  | 2 C B |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223982590 | [Redacted] | [Redacted] |  | 34345223 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested for unacceptable property type which is multifamily property w/ ADU & no similar comparable. Exception request for eligibility of subject property. The subject is a legal zoned [redacted] - unit multifamily property with an ADU located in the basement, located in an urban area with < [redacted], and public utilities. Non of the comparable provided have similar basement ADUs, and the appraiser in unable to find/confirm of any. A supportive CDA is on the file. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elects to waive.<br>Buyer Comment (2025-09-06): Please clarify request or clear<br>Reviewer Comment (2025-09-03): Client elected to waive exceptions with compensating factors. |  |  | 09/10/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223982591 | [Redacted] | [Redacted] |  | 34345305 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for LTV at [redacted] when max of [redacted] (vacant property, no active lease on cashout transaction). The exception is approved with max [redacted]. Unable to downgrade/waive due to insufficient compensating factors were provided. Please provide additional lender compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2025-09-11): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-09): Received lender exception however the approval requires all other guideline requirements to be satisfied. The most recent[redacted]month payment history on the subject is required.<br>Buyer Comment (2025-09-06): exception |  |  | 09/11/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223982591 | [Redacted] | [Redacted] |  | 34347968 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for vesting in [redacted] when borrower's [redacted] ownership is less than [redacted] requirement. <br> Subject to confirmation that nature of borrower's [redacted] is for investment purposes only. <br> Borrower to provide evidence that subject is being marketed for rent. Unable to downgrade/waive due to insufficient compensating factors were provided. Please provide additional lender compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2025-09-11): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-09): Received lender exception however the approval requires all other guideline requirements to be satisfied. The most recent[redacted]month payment history on the subject is required. Also, please provide additional lender compensating factors. The compensating factors provided due not meet due diligence requirements.<br>Buyer Comment (2025-09-06): see uploaded |  |  | 09/11/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223982591 | [Redacted] | [Redacted] |  | 34358068 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the most recent [redacted] month payment history on the subject. |  |  |  | Reviewer Comment (2025-09-10): Cleared. Mortage statement reflects property is owned by non-borrowering memeber.<br>Reviewer Comment (2025-09-09): Received the mortgage statement for the subect property however the most recent[redacted]month payment history on the subject is required.<br>Buyer Comment (2025-09-09): The mortgage statement attached does not have our borrower listed.<br>Reviewer Comment (2025-09-09): Credit report does not reflect payment history for the subject. Require the most recent[redacted]month payment history on the subject. Exception remains.<br>Buyer Comment (2025-09-06): The borrower has payment history listed on the credit report with all the mortgages they have had | 09/10/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223982598 | [Redacted] | [Redacted] |  | 34345248 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [redacted] | Note Date: ___; [redacted] Position: ___ | Missing Secondary Valuation - The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-15): CDA was provided<br>Buyer Comment (2025-09-11): CDA | 09/15/2025 |  |  | 1 D A |  | AL | Investment | Purchase | D B C A | N/A | N/A | No |
| 223982598 | [Redacted] | [Redacted] |  | 34350768 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for Non Warrantable Condo due to insufficient wind coverage. Condition to Max [redacted] LTV and min [redacted] in assets. Borrower exceeds[redacted] in assets however due to usability rating clarity shows [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-06): Please provide a break down of the assets you are using. |  |  | 09/09/2025 | 2 C B |  | AL | Investment | Purchase | D B C A | N/A | N/A | No |
| 223982724 | [Redacted] | [Redacted] |  | 34345896 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Deeds / Warranty / Grant / Quit-Claim for the current ownership transfer to the borrower is missing. |  |  |  | Reviewer Comment (2025-09-09): Received Warranty Deed in the file. Exception Cleared.<br>Buyer Comment (2025-09-08): Warranty deed | 09/09/2025 |  |  | 1 D A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 223982724 | [Redacted] | [Redacted] |  | 34349366 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] worksheet is missing in file. |  |  |  | Reviewer Comment (2025-09-09): Received DSCR worksheet in the file. Exception Cleared.<br>Buyer Comment (2025-09-08): income worksheet | 09/09/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 223982728 | [Redacted] | [Redacted] |  | 34351737 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-09-10): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-09-09): BPC | 09/10/2025 |  |  | 1 C A |  | MS | Investment | Purchase | C A |  | N/A | No |
| 223982908 | [Redacted] | [Redacted] |  | 34345939 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of [redacted] is less than the note amount of[redacted] |  |  |  | Reviewer Comment (2025-09-15): Provided supplemental title policy with policy amount as loan amount. Exception cleared.<br>Buyer Comment (2025-09-12): Suppemental | 09/15/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223982908 | [Redacted] | [Redacted] |  | 34345945 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Missing verification of Non-US citizen status. Borrower's current Visa is missing from the file. Must meet lender guides. |  |  |  | Reviewer Comment (2025-09-09): Received VISA. Exception Cleared.<br>Buyer Comment (2025-09-06): please see attached | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223982908 | [Redacted] | [Redacted] |  | 34345975 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of assets XXXX[redacted] to support [redacted] months reserve requirement. |  |  |  | Reviewer Comment (2025-09-09): Received Bank Statement. Exception Cleared.<br>Buyer Comment (2025-09-06): please see attacjed | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223983047 | [Redacted] | [Redacted] |  | 34345792 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-09): Received e-sign consent.<br>Buyer Comment (2025-09-06): Please see attached econsent. | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223983047 | [Redacted] | [Redacted] |  | 34353617 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for borrower with only [redacted] ownership in business vs guideline minimum of [redacted] ownership is approved. Unable to downgrade/waive due to missing the joint access letter for the [redacted] account signed/dated by all members of the business. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): Client elects to waive with compensating factors. |  |  | 09/09/2025 | 2 C B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223983047 | [Redacted] | [Redacted] |  | 34359826 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing the most recent [redacted] month payment history for the borrower's primary residence. |  |  |  | Reviewer Comment (2025-09-15): Pay history provided, exception cleared.<br>Buyer Comment (2025-09-11): Payment History<br>Reviewer Comment (2025-09-09): Received credit report however the most recent[redacted]month payment history for the borrower's primary residence is not reflected on the report.<br>Buyer Comment (2025-09-06): Credit report | 09/15/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223983047 | [Redacted] | [Redacted] |  | 34359835 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Per lender exception approval, all business owners were to sign a joint access letter authorizing full access to the use of funds in the business account. |  |  |  | Reviewer Comment (2025-09-09): Cleared. Received access letter.<br>Buyer Comment (2025-09-06): Access letter | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223983048 | [Redacted] | [Redacted] |  | 34350624 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved for: Requesting[redacted] with gift of equity while max i[redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Client elects to waive with compensating factors. |  |  | 09/04/2025 | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223983048 | [Redacted] | [Redacted] |  | 34359371 |  |  | Credit | TRID | General | TRID | Escrow holdbacks are present. | Escrow Holdback Amount: ___ | Final CD reflects an Escrow holdback for[redacted] Verification is required funds have been released. |  |  |  | Reviewer Comment (2025-09-10): Cleared. Received required document.<br>Buyer Comment (2025-09-06): Escrow Release docs | 09/10/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223983049 | [Redacted] | [Redacted] |  | 34344073 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Revised note reflecting the business entity borrower name,[redacted] , is required. The provided note is missing the [redacted] name and only shows the managing members' names signing on behalf of the [redacted]. |  |  |  | Reviewer Comment (2025-09-29): Revised note received, exception cleared.<br>Buyer Comment (2025-09-26): Tracking [redacted][redacted][redacted]<br>Reviewer Comment (2025-09-04): .<br>Reviewer Comment (2025-09-04): Requested updated Note with business entity listed on pg#[redacted] | 09/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223983049 | [Redacted] | [Redacted] |  | 34350706 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided. |  | Secondary valuation completed as "subject to completion of the ADU", [redacted]has not been provided. |  |  |  | Reviewer Comment (2025-09-16): Subsequent appraisal was done after ADU was completed. Condition cleared.<br>Reviewer Comment (2025-09-12): Received [redacted]Appraisal report dated[redacted], which is as is. Please provide Form [redacted] for Secondary valuation report dated[redacted] which is subject to completion. Exception remains.<br>Buyer Comment (2025-09-10): Appraisal completion | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223983055 | [Redacted] | [Redacted] |  | 34345757 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Two years [redacted] for co-borrower [redacted]not provided in file. |  |  |  | Reviewer Comment (2025-09-30): Received required documents. Cleared.<br>Reviewer Comment (2025-09-30): [redacted]C is required to be signed before or at note date, exception remains.<br>Buyer Comment (2025-09-26): [redacted] | 09/30/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223983055 | [Redacted] | [Redacted] |  | 34353613 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Two years [redacted] for co-borrower [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-09-30): Received required docs. Cleared.<br>Reviewer Comment (2025-09-30): [redacted]C is required to be signed before or at note date, exception remains.<br>Buyer Comment (2025-09-26): Please see [redacted]uploaded today | 09/30/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223983069 | [Redacted] | [Redacted] |  | 34351830 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to our borrower is requesting to purchase an investment property utilizing [redacted] to qualify with an [redacted] occupancy rate [redacted] Section [redacted] occupancy rate. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Client elects to waive with compensating factors. |  |  | 09/04/2025 | 2 B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 223983069 | [Redacted] | [Redacted] |  | 34358671 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | A Certificate of Good Standing dated within [redacted]days of the Note is not located in the file. |  |  |  | Reviewer Comment (2025-09-25): Received Certificate of Good Standing from State. Exception cleared.<br>Buyer Comment (2025-09-24): Good standing cert<br>Reviewer Comment (2025-09-12): Received CPA letter. Require certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted]days of <br> the note date. Exception Remains.<br>Buyer Comment (2025-09-11): good standing letter | 09/25/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 223986866 | [Redacted] | [Redacted] |  | 34346086 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Warrantable condo due to insufficient fidelity bond coverage.<br>Unable to waive/downgrade exception. Proof the increased Fidelity coverage[redacted] was met was not provided. |  |  |  | Reviewer Comment (2025-09-15): Fidelity coverage was provided<br>Buyer Comment (2025-09-11): Please see [redacted]for exception for fidelity coverage of [redacted]and attached declarations showing fidelity coverage at [redacted] | 09/15/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A | N/A | N/A | No |
| 223986866 | [Redacted] | [Redacted] |  | 34346093 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Provided asset document with the balance of[redacted] is less than Cash From Borrowe[redacted]Required sufficient asset document to meet the closing requirement. |  |  |  | Reviewer Comment (2025-09-19): Net proceeds updated for sold property. Exception cleared.<br>Buyer Comment (2025-09-18): Final CD from Sale | 09/19/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A | N/A | N/A | No |
| 223986866 | [Redacted] | [Redacted] |  | 34346108 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Required sufficient asset document o meet the reserve requirement of [redacted] |  |  |  | Reviewer Comment (2025-09-19): Net proceeds updated for sold property. Exception cleared.<br>Buyer Comment (2025-09-18): Please see CD uploaded today. | 09/19/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A | N/A | N/A | No |
| 223987419 | [Redacted] | [Redacted] |  | 34349363 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for Cash Out - Refinance with subject property a Manufactured Home. Condition of Max LTV of [redacted] | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Client elects to waive with compensating factors. |  |  | 09/04/2025 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223987419 | [Redacted] | [Redacted] |  | 34349371 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for subject property Manufactured Home with square footage of [redacted] and guides require min [redacted] Conditions for[redacted] LTV and satisfactory appraisal with similar comps. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Client elects to waive with compensating factors. |  |  | 09/04/2025 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223987424 | [Redacted] | [Redacted] |  | 34351241 |  |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | A signed and dated CPA letter is missing. The letter provided is not dated. |  |  |  | Reviewer Comment (2025-09-16): Received dated CPA letter. Exception cleared.<br>Buyer Comment (2025-09-15): CPA letter | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223987424 | [Redacted] | [Redacted] |  | 34351347 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved for:[redacted] Requesting exception for LTV to go up to[redacted] A married applicant who is not on title to their primary residence but is living with their spouse and provides evidence that the spouse is listed on title is not considered as First Time Home Buyer. [redacted] on purchase transactions only. [redacted]) For reserve requirement, allow use of available assets in non-US CD[redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Client elects to waive with compensating factors. |  |  | 09/04/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223987424 | [Redacted] | [Redacted] |  | 34351355 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | CPA letter is missing with document date. |  |  |  | Reviewer Comment (2025-09-16): Received dated CPA letter. Exception cleared. | 09/16/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223987424 | [Redacted] | [Redacted] |  | 34351356 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA letter is missing with document date. |  |  |  | Reviewer Comment (2025-09-16): Received dated CPA letter. Exception cleared.<br>Reviewer Comment (2025-09-10): The CPA letter provided does not have a document date.<br>Buyer Comment (2025-09-06): CPA Letter found in file<br>Buyer Comment (2025-09-06): CPA letter found in file. | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223987424 | [Redacted] | [Redacted] |  | 34357191 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | A signed a dated CPA letter is missing. |  |  |  | Reviewer Comment (2025-09-16): Received dated CPA letter. Exception cleared.<br>Reviewer Comment (2025-09-10): The CPA letter provided does not have a document date.<br>Buyer Comment (2025-09-06): CPA Letter found in file - GF[redacted]<br>Buyer Comment (2025-09-06): CPA Letter | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223987424 | [Redacted] | [Redacted] |  | 34359968 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception maxed LTV at[redacted] however the [redacted] is slightly higher. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-09): Exception form |  |  | 09/10/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223987424 | [Redacted] | [Redacted] |  | 34359979 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223987494 | [Redacted] | [Redacted] |  | 34351861 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | [redacted] months bank statements for [redacted]account ending in [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-09-09): Received [redacted]months bank statements for [redacted]account ending in #[redacted]in the file. Exception Cleared.<br>Buyer Comment (2025-09-08): Asset statements | 09/09/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223987494 | [Redacted] | [Redacted] |  | 34351892 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [redacted]months bank statements for [redacted] account ending in[redacted] not provided in file. |  |  |  | Reviewer Comment (2025-09-09): Received [redacted]months bank statements for [redacted]account ending in #[redacted]in the file. Reserves month requirement met. Exception Cleared.<br>Buyer Comment (2025-09-08): Please see asset statements uploaded today. | 09/09/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223987629 | [Redacted] | [Redacted] |  | 34354640 |  |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. |  | File is missing [redacted] page of Final closing disclosure dated- [redacted] |  |  |  | Reviewer Comment (2025-09-09): [redacted]received complete final CD.<br>Buyer Comment (2025-09-05): final CD with all pages | 09/09/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223987629 | [Redacted] | [Redacted] |  | 34354642 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | File is missing 3rd page of Final closing disclosure dated- [redacted] |  |  |  | Reviewer Comment (2025-09-09): [redacted]received complete final CD.<br>Buyer Comment (2025-09-05): see uploaded | 09/09/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) A | Non QM | Non QM | Yes |
| 223987630 | [Redacted] | [Redacted] |  | 34351206 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of[redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-09): [redacted]Received Email Confirmation stating Survey not required by Lender.<br>Buyer Comment (2025-09-08): title email confirmation | 09/09/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34350447 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by[redacted] due to increase of recording fee and addition of Title-Endorsement Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-29): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-26): PCCD + REFUND CHECK<br>Reviewer Comment (2025-09-19): [redacted]the required cure for Appraisal Fee is $[redacted], for Credit report $[redacted], for Appraisal Re-inspection $[redacted]and for [redacted]% tolerance $[redacted]total cure required is $[redacted]. The Re-inspection fee was increased from $[redacted]on initial LE to $[redacted]on final CD. Also, [redacted]% fees included Title Endorsement fee and recording fee which increased by $[redacted]and after [redacted]% tolerance the required cure is $[redacted]. Please provide valid COC for increase in fees or remaining cure of $[redacted]is required.<br>Buyer Comment (2025-09-18): my PC Cert was only for the fee mentioned, the title endorsement fee. My PC Cert makes sense and covers the fees I pointed out. Please, review again and cure this condition as there is enough credit for this fee. Still working on figuring out processing and recording fee increase.<br>Reviewer Comment (2025-09-12): [redacted]Final CD shows Lender Cure of $[redacted]; however, overall Cure required is $[redacted]. Required Cure amounts for [redacted]% fees $[redacted], Appraisal fee $[redacted], Processing fee $[redacted], Credit report fee $[redacted]and Appraisal re-inspection fee $[redacted]. Provide Valid COC or Cure Docs for additional Cure of $[redacted]. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-11): lender credit issued for title endorsement fee |  | 09/29/2025 |  | 2 C B |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34350448 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of [redacted]. Insufficient or no cure was provided to the borrower. | Processing Fee was last disclosed as [redacted] but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-29): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-26): PCCD + REFUND CHECK provided |  | 09/29/2025 |  | 2 C B |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34350449 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as[redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-18): my PC Cert was only for the fee mentioned, the added appraisal fee. My PC Cert makes sense and covers the fees I pointed out. Please, review again and cure this condition as there is enough credit for this fee. Still working on figuring out processing and recording fee increase.<br>Reviewer Comment (2025-09-12): [redacted]Final CD shows Lender Cure of $[redacted]; however, overall Cure required is $[redacted]. Required Cure amounts for [redacted]% fees $[redacted], Appraisal fee $[redacted], Processing fee $[redacted], Credit report fee $[redacted]and Appraisal re-inspection fee $[redacted]. Provide Valid COC or Cure Docs for additional Cure of $[redacted]. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-11): uploaded PC Cert, lender credit issued for added appraisal fee in the amount of $[redacted] | 09/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34350450 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as [redacted] but disclosed as[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-29): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-26): PCCD + REFUND CHECK provided<br>Reviewer Comment (2025-09-19): [redacted]the required cure for Appraisal Fee is $[redacted], for Credit report $[redacted], for Appraisal Re-inspection $[redacted]and for [redacted]% tolerance $[redacted]total cure required is $[redacted]. The Re-inspection fee was increased from $[redacted]on initial LE to $[redacted]on final CD. Also, [redacted]% fees included Title Endorsement fee and recording fee which increased by $[redacted]and after [redacted]% tolerance the required cure is $[redacted]. Please provide valid COC for increase in fees or remaining cure of $[redacted]is required.<br>Buyer Comment (2025-09-18): my PC Cert was only for the fee mentioned, the $[redacted]appraisal reinspection fee. My PC Cert makes sense and covers the fees I pointed out. Please, review again and cure this condition as there is enough credit for this fee. Still working on figuring out processing and recording fee increase.<br>Reviewer Comment (2025-09-12): [redacted]Final CD shows Lender Cure of $[redacted]; however, overall Cure required is $[redacted]. Required Cure amounts for [redacted]% fees $[redacted], Appraisal fee $[redacted], Processing fee $[redacted], Credit report fee $[redacted]and Appraisal re-inspection fee $[redacted]. Provide Valid COC or Cure Docs for additional Cure of $[redacted]. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-11): PC Cert uploaded, lender credit issued for added $[redacted]appraisal reinspection fee |  | 09/29/2025 |  | 2 C B |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34350451 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of[redacted] Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] but disclosed as[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-18): my PC Cert was only for the fee mentioned, the increase in credit report fee. My PC Cert makes sense and covers the fees I pointed out. Please, review again and cure this condition as there is enough credit for this fee. Still working on figuring out processing and recording fee increase.<br>Reviewer Comment (2025-09-12): [redacted]Final CD shows Lender Cure of $[redacted]; however, overall Cure required is $[redacted]. Required Cure amounts for [redacted]% fees $[redacted], Appraisal fee $[redacted], Processing fee $[redacted], Credit report fee $[redacted]and Appraisal re-inspection fee $[redacted]. Provide Valid COC or Cure Docs for additional Cure of $[redacted]. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-11): PC Cert uploaded, lender credit issued for increase in credit report fee by $[redacted] | 09/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34589413 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-29): Sufficient Cure Provided At Closing |  | 09/29/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34589414 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-29): Sufficient Cure Provided At Closing |  | 09/29/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34589415 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-29): Sufficient Cure Provided At Closing |  | 09/29/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223987631 | [Redacted] | [Redacted] |  | 34589416 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-29): Sufficient Cure Provided At Closing |  | 09/29/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223987632 | [Redacted] | [Redacted] |  | 34354582 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved at origination for property being rural in nature is counteroffered at a[redacted] LTV. Exception is needed due to section [redacted]: Cash-out refinance on Rural investment property. Exception request for eligibility of subject property. The subject is a legally zoned [redacted] located in a rural area with [redacted], well water, and septic sewer. These is also an "original dwelling" on the property, which the appraiser confirms is boarded up and unlivable. ART management has authorized this proceed without anything further for this due to no value being given. The appraiser was unable to provide any comparable to bracket the subject's site size; however, comparable [redacted] is very similar ([redacted] less than the subject property), which minimal adjustments needed. The required CDA has not been received yet. Compensating factors are long term home ownership [redacted] points or more above requirement. Unable to downgrade/waive due to insufficient compensating factors were provided. Please provide additional compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-17): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-16): CDA |  |  | 09/17/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223988812 | [Redacted] | [Redacted] |  | 34356024 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee Amount of [redacted] exceeds tolerance of[redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-18): [redacted]received a valid COC.<br>Buyer Comment (2025-09-17): Please see lock and investor memo | 09/18/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223988812 | [Redacted] | [Redacted] |  | 34356073 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for request to allow for use of[redacted]of business assets as a [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Client elected to waive exceptions with compensating factors. |  |  | 09/04/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992824 | [Redacted] | [Redacted] |  | 34354608 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee[redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-09-11): [redacted]received valid COC document<br>Buyer Comment (2025-09-09): coc's<br>Reviewer Comment (2025-09-09): [redacted]Received Rebuttal stating loan estimate shows Appraisal re-inspection fee $[redacted]; however, File does not contain any LE showing Appraisal re-inspection fee. Appraisal re-inspection fee $[redacted]added on CD dated [redacted]Sequence [redacted]and later increased to $[redacted]on CD [redacted]Sequence [redacted] without valid COC. A valid Changed Circumstance for both Sequence or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-08): Attached Loan Estimate showing Appraisal Re-Inspection Fee $[redacted] | 09/11/2025 |  |  | 1 C A |  | ME | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223992836 | [Redacted] | [Redacted] |  | 34360545 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-09-09): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-09-06): business cert<br>Buyer Comment (2025-09-06): Business Purpose Cert | 09/09/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223992842 | [Redacted] | [Redacted] |  | 34354734 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | on subject loan of[redacted] or Final Disclosure [redacted] is equal to or greater than the threshold of [redacted] |  |  |  | Reviewer Comment (2025-09-23): Proof of appraisal delivery received, exception cleared.<br>Buyer Comment (2025-09-20): Please see proof appraisal delivered to borrower that was uploaded today. | 09/23/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223992842 | [Redacted] | [Redacted] |  | 34354735 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | Appraisal receipt was not provided to the borrower with in [redacted] business days to the note date for the valuation date [redacted] |  |  |  | Reviewer Comment (2025-09-23): Proof of appraisal delivery received, exception cleared.<br>Buyer Comment (2025-09-20): Please see proof of[redacted] delivery and apply mailbox rule | 09/23/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223992842 | [Redacted] | [Redacted] |  | 34354736 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of[redacted] on a Federal Total Loan Amount of[redacted] vs. an allowable total of[redacted] (an overage of [redacted] or [redacted]). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-10-03): [redacted]received LOE to borrower, borrower choice letter indicating that they choose to accept refund and make loan not high cost, copy of refund check and proof of mailing.<br>Buyer Comment (2025-10-01): LOE |  | 10/03/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 223992842 | [Redacted] | [Redacted] |  | 34354740 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points fee amount of[redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-03): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-10-01): PCCD, LOE, refund check<br>Reviewer Comment (2025-09-23): [redacted]received LOX for rebuttal response and supporting COC dated [redacted] indicates that rate lock extension due to added discount point fee of $[redacted]. However, please see [redacted] corresponding CD doc ID [redacted]shows that $[redacted]paid by borrower and $[redacted]paid by lender and it was changed on Final CD to reflected as $[redacted]paid by borrower and $[redacted]paid by lender. Hence, [redacted]also required additional information with supporting documentation of timeline on why the fee was changed from lender paid to borrower paid on Final CD. Otherwise, cure would be due to borrower.<br>Buyer Comment (2025-09-22): please disregard previous invest memo, revised one uploaded<br>Buyer Comment (2025-09-22): please disregard previous invest memo, revised one attached<br>Reviewer Comment (2025-09-17): [redacted]received valid COC dated[redacted]. However, the borrower paid discount point fee decreases of $[redacted]from $[redacted]on CD dated [redacted] and again increase to $[redacted]from $[redacted]on Final CD dated [redacted] without VCCs. Provide valid COC for the fee increase on Final CD dated [redacted] or Cure would be due to borrower.<br>Buyer Comment (2025-09-15): PC Cert + lock form |  | 10/03/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223992842 | [Redacted] | [Redacted] |  | 34354741 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Appraisal fee amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-26): Sufficient cure provided at closing.<br>Reviewer Comment (2025-09-26): Cleared in error.<br>Reviewer Comment (2025-09-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-12): PC Cert | 09/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223992842 | [Redacted] | [Redacted] |  | 34357891 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for Transcripts returned a Reject Code [redacted] and unable to verify. Condition of Max [redacted] | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors. |  |  | 09/05/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223992842 | [Redacted] | [Redacted] |  | 34367288 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors. |  |  | 09/05/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223992842 | [Redacted] | [Redacted] |  | 34367345 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for [redacted] credit score - manufactured home. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors. |  |  | 09/05/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223992852 | [Redacted] | [Redacted] |  | 34367910 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The BPO, insurance verifiecation, mortgage statement, and tax verification for the departing property is not located in the file. |  |  |  | Reviewer Comment (2025-09-10): The BPO, insurance verification, mortgage statement, and tax verification received for Reo property - [redacted][redacted], [redacted][redacted], [redacted]. Exception cleared.<br>Buyer Comment (2025-09-08): [redacted] | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223992855 | [Redacted] | [Redacted] |  | 34358866 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-09-12): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-09-10): eConsent | 09/12/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| 223992855 | [Redacted] | [Redacted] |  | 34359095 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  | Buyer Comment (2025-10-09): Waiver approved by XXXX |  |  | 10/09/2025 | 2 B |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| 223992859 | [Redacted] | [Redacted] |  | 34356997 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for borrower does not meet history requirements and does not meet waiver requirements (does not own primary) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Client elected to waive exceptions with compensating factors. |  |  | 09/04/2025 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223992860 | [Redacted] | [Redacted] |  | 34358389 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for farm mortgage on investment property in deferral for[redacted]months. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elected to waive exceptions with compensating factors. |  |  | 09/05/2025 | 2 C B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359220 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds missing in file for Business acct ending with #[redacted]. |  |  |  | Reviewer Comment (2025-09-10): CPA letter was provided<br>Buyer Comment (2025-09-08): CPA Letter // Access of funds | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359243 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter/Third Party Verification missing in file. |  |  |  | Reviewer Comment (2025-09-10): CPA letter was provided.<br>Buyer Comment (2025-09-08): Please see CPA letter uploaded for [redacted] | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359318 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for unacceptable property type. Property consists of SFR as well as [redacted] and [redacted] which is used for business purpose. Condition of Max [redacted]% LTV. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors. |  |  | 09/05/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359412 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation mismatch due to CPA/Third Party Verification missing in file-Exception already raised for same. |  |  |  | Reviewer Comment (2025-09-10): CPA letter was provided and associated<br>Buyer Comment (2025-09-08): Please see CPA letters uploaded today | 09/10/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223992861 | [Redacted] | [Redacted] |  | 34359413 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay ([redacted]): Unable to verify current employment status using reasonably reliable third-party records. | CPA/Third Party Verification missing in file-Exception already raised for same. |  |  |  | Reviewer Comment (2025-09-10): CPA letter was provided<br>Buyer Comment (2025-09-08): Please see CPA letter uploaded today | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359414 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay ([redacted]): Unable to verify current employment status using reasonably reliable third-party records. | CPA/Third Party Verification missing in file-Exception already raised for same. |  |  |  | Reviewer Comment (2025-09-10): CPA letter was provided and associated<br>Buyer Comment (2025-09-08): Please see CPA letter uploaded today. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359415 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay ([redacted]): Unable to verify current employment status using reasonably reliable third-party records. | CPA/Third Party Verification missing in file-Exception already raised for same. |  |  |  | Reviewer Comment (2025-09-10): CPA letters was provided<br>Buyer Comment (2025-09-08): CPA Letter [redacted]Photography | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359416 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA/Third Party Verification missing in file-Exception already raised for same. |  |  |  | Reviewer Comment (2025-09-10): CPA letters was provided<br>Buyer Comment (2025-09-08): Please see CPA letters uploaded today | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34359421 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | CPA/Third Party Verification missing in file-Exception already raised for same. |  |  |  | Reviewer Comment (2025-09-10): CPA letter was provided and associated | 09/10/2025 |  |  | 1 A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992861 | [Redacted] | [Redacted] |  | 34360026 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Statements are not provided for [redacted] Savings account listed as asset on Final 1003. |  |  |  | Reviewer Comment (2025-09-18): Statement provided.<br>Buyer Comment (2025-09-17): [redacted]- [redacted]stmt for [redacted][redacted]to meet [redacted]day requirement<br>Reviewer Comment (2025-09-10): Asset statements provided must cover at least [redacted]days on purchases.<br>Reviewer Comment (2025-09-10): .<br>Buyer Comment (2025-09-08): [redacted]Statements | 09/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223992863 | [Redacted] | [Redacted] |  | 34359434 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-23): [redacted]received rebuttal and valid COC<br>Buyer Comment (2025-09-22): Please see first [redacted]that was NOT completed, requiring and ADDITIONAL [redacted]to be completed.<br>Reviewer Comment (2025-09-15): [redacted]agreed that the appraisal report provided in the loan file completed with subject to completion and the re-inspection fee of $[redacted]added with valid COC on[redacted]. However, the re-inspection fee again added of $[redacted]on [redacted] LE without VCCs and decreased to $[redacted]on [redacted] initial CD. Hence, the fee exceeds of [redacted]% tolerance of $[redacted]. Provide valid COC for the fee increase of $[redacted]from $[redacted]on LE dated 0[redacted] or Cure would be due to borrower.<br>Buyer Comment (2025-09-11): Appraisal report dated [redacted] showing subject to, COC/LE disclosed [redacted] requiring [redacted]additional fee. The [redacted]on file is dated [redacted] showing completion, which is AFTER the [redacted] redisclosure and is the [redacted]that corresponds.<br>Reviewer Comment (2025-09-09): [redacted]File Contains only [redacted][redacted]document whish shows [redacted]% work completed. Kindly provide [redacted]document corresponding to LE dated [redacted].<br>Buyer Comment (2025-09-08): [redacted]is copy of [redacted]that was previously provided. Please cancel condition<br>Buyer Comment (2025-09-06): Please see attached. Thank you. | 09/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223992863 | [Redacted] | [Redacted] |  | 34368917 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The estimated settlement statement for the departing property is not located in the file. |  |  |  | Reviewer Comment (2025-09-10): Cleared. received final closing statement.<br>Buyer Comment (2025-09-08): Settlement Statement | 09/10/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223992863 | [Redacted] | [Redacted] |  | 34368918 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The estimated settlement statement for the departing property is not located in the file. |  |  |  | Reviewer Comment (2025-09-10): Cleared. received final closing statement.<br>Buyer Comment (2025-09-08): Please see settlement statement uploaded today | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223992863 | [Redacted] | [Redacted] |  | 34368989 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The estimated settlement statement for the departing property is not located in the file, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-10): Cleared. received final closing statement.<br>Buyer Comment (2025-09-08): Please see settlement statement uploaded today | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223992863 | [Redacted] | [Redacted] |  | 34369003 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The estimated settlement statement for the departing property is not located in the file. |  |  |  | Reviewer Comment (2025-09-10): Cleared. received final closing statement.<br>Buyer Comment (2025-09-08): Please see settlement statement uploaded today | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223992867 | [Redacted] | [Redacted] |  | 34360176 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted] , Most Recent Tax Return End Date [redacted] , Tax Return Due Date[redacted] . | Most recent business or personal tax returns for [redacted] is not signed and dated. |  |  |  | Reviewer Comment (2025-09-16): Client elects to waive.<br>Reviewer Comment (2025-09-12): Exception is an ATR informative [redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared.<br>Buyer Comment (2025-09-10): [redacted][redacted] Signature Page |  |  | 09/16/2025 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223992867 | [Redacted] | [Redacted] |  | 34360177 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-26): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-25): PCCD, LOX, Label and check<br>Reviewer Comment (2025-09-12): [redacted]: Provided COC dated [redacted] in the loan file does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-10): LE [redacted]<br>Buyer Comment (2025-09-10): Pg [redacted][redacted]COC provided, please cancel |  | 09/26/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223992867 | [Redacted] | [Redacted] |  | 34365757 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to calculate the qualifying income for a borrower who recently converted from [redacted] to [redacted]using an average of a combination of most recent year's w-2 and [redacted](i.e., net Schedule c) incomes in lieu of using an average of the prior two years' w-2's less [redacted] expenses as dictated in section [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors. |  |  | 09/05/2025 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223992867 | [Redacted] | [Redacted] |  | 34369311 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification for the [redacted] property is missing in file for property. |  |  |  | Reviewer Comment (2025-09-12): Received HOA Verification. Exception cleared.<br>Buyer Comment (2025-09-10): HOA | 09/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223992874 | [Redacted] | [Redacted] |  | 34359939 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide the HOA Verification for the property [redacted] |  |  |  | Reviewer Comment (2025-09-10): Received HOA Verification. Exception cleared<br>Buyer Comment (2025-09-08): hoa | 09/10/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223992874 | [Redacted] | [Redacted] |  | 34359988 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower will have (including subject loan) [redacted] ([redacted]) loans totaling $[redacted] either issued or purchase by the end investor (vs. guideline max of [redacted] ([redacted]) loans not to exceed #[redacted]). | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Lender approved exception for Borrower will have (including subject loan) twelve ([redacted]) loans totaling $[redacted]MM either issued or purchase by the end investor (vs. guideline max of ten ([redacted]) loans not to exceed #[redacted]). |  |  | 09/05/2025 | 2 B |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223992963 | [Redacted] | [Redacted] |  | 34367480 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | Missing on the OFAC for [redacted] |  |  |  | Reviewer Comment (2025-09-23): Received OFAC search result for borrowing business entity. Exception cleared.<br>Buyer Comment (2025-09-19): OFAC w vesting entity<br>Reviewer Comment (2025-09-17): OFAC received for the managing member, however required for the Business entity in the file. Exception remains.<br>Buyer Comment (2025-09-16): OFAC w managing member<br>Reviewer Comment (2025-09-12): OFAC is required for borrowing entity, guarantors and all members.<br>Buyer Comment (2025-09-10): [redacted] is not on the loan | 09/23/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223992963 | [Redacted] | [Redacted] |  | 34367482 |  |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  | Missing on the Background for [redacted] |  |  |  | Reviewer Comment (2025-09-11): Background Check is not required for the managing member of the business entity. Exception Cleared.<br>Buyer Comment (2025-09-10): [redacted] is not on the loan | 09/11/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223992975 | [Redacted] | [Redacted] |  | 34356165 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Require Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address. |  |  |  | Reviewer Comment (2025-09-15): Received Corporate Resolution in the file. Exception Cleared.<br>Buyer Comment (2025-09-11): Resolution | 09/15/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D B A |  | N/A | No |
| 223992975 | [Redacted] | [Redacted] |  | 34356171 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement for business entity [redacted] is missing |  |  |  | Reviewer Comment (2025-09-15): Received Operating Agreement in the file. Exception Cleared.<br>Buyer Comment (2025-09-11): Operating agreement | 09/15/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D B A |  | N/A | No |
| 223992975 | [Redacted] | [Redacted] |  | 34356184 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Transfer of deed to subject owner is required in a purchase transaction. |  |  |  | Reviewer Comment (2025-09-11): Received Deeds / Warranty / Grant / Quit-Claim. Exception Cleared.<br>Buyer Comment (2025-09-10): WD | 09/11/2025 |  |  | 1 D A |  | NC | Investment | Purchase | D B A |  | N/A | No |
| 223992975 | [Redacted] | [Redacted] |  | 34356212 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested as vesting LLC must be registered in the state the subject is located in. Entity is created in Ohio, subject in [redacted].<br> The Certificate of Good standing and evidence of registration as a foreign entity in [redacted] both must be provided. Exception Approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-07): Client elects to waive with compensating factors.<br>Buyer Comment (2025-10-03): COGS<br>Reviewer Comment (2025-09-15): Provided Certificate of Good standing is not for[redacted] State. Exception Remains.<br>Buyer Comment (2025-09-11): COGS<br>Reviewer Comment (2025-09-10): Certificate of good standing from [redacted] as required per the lender exception approval is notlocated in the file.<br>Buyer Comment (2025-09-08): Exception form |  |  | 10/07/2025 | 2 C B |  | NC | Investment | Purchase | D B A |  | N/A | No |
| 223993090 | [Redacted] | [Redacted] |  | 34365947 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use [redacted]% of business assets for when borrower is [redacted]% owner. CPA letter for use of funds is in the file and joint access letter was provided by other owner of business. With only using [redacted]% of the assets the borrower is short reserves $[redacted] ([redacted] PITIA). | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to downgrade and waive with the following compensating factors: <br> Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br> DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% |  |  | 09/05/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 223993092 | [Redacted] | [Redacted] |  | 34355907 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for landlord history waiver- does not meet waiver requirements and DSCR below [redacted]. Borrower purchasing investment property on Expanded DSCR product. Min DSCR is [redacted] per guides. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>Combined Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): does not meet waiver requirements and DSCR below [redacted]. Borrower purchasing investment property on Expanded DSCR product. Min DSCR is [redacted]per guides. |  |  | 09/05/2025 | 2 B |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 223993092 | [Redacted] | [Redacted] |  | 34356004 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD is missing. |  |  |  | Reviewer Comment (2025-09-10): Received Closing Statement. Exception Cleared.<br>Buyer Comment (2025-09-08): HUD/CD | 09/10/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 223993092 | [Redacted] | [Redacted] |  | 34356050 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-09-11): Received Asset Statement in the file. Guidelines requirement met. Exception Cleared<br>Buyer Comment (2025-09-10): Asset statement<br>Reviewer Comment (2025-09-10): Provided bank statement does not sufficient to cover the reserve requirement. Exception Remains.<br>Buyer Comment (2025-09-08): Assets | 09/11/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 223993143 | [Redacted] | [Redacted] |  | 34355827 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing signed and dated HUD/CD. |  |  |  | Reviewer Comment (2025-09-15): Received Closing statement. Exception Cleared.<br>Buyer Comment (2025-09-12): settlement statement<br>Reviewer Comment (2025-09-10): Provided Closing statement is not signed and dated. Exception Remains.<br>Buyer Comment (2025-09-09): hud | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223993164 | [Redacted] | [Redacted] |  | 34359141 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification missing in file |  |  |  | Reviewer Comment (2025-09-11): Cleared. receved hoa docs.<br>Buyer Comment (2025-09-10): HOA<br>Reviewer Comment (2025-09-10): Require HOA verification for [redacted][redacted][redacted], [redacted], [redacted]and [redacted][redacted] [redacted], [redacted][redacted], [redacted]properties, exception remains.<br>Buyer Comment (2025-09-08): reo hoa | 09/11/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A | N/A | Non QM | No |
| 223993242 | [Redacted] | [Redacted] |  | 34355443 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to omit departing primary PITI with [redacted] months reserves and [redacted]% equity in the departing primary, rather than the required [redacted]% is approved.\*\*\*Unable to downgrade/waive. Lender exception approval requires verification of min [redacted]% equity however an AVM or BPO for the departing property is not located in the file.\*\*\* | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-19): Property Listed<br>Reviewer Comment (2025-09-16): Per guideline " A letter of explanation stating an intent to list the property for list, listing agreement for properties <br> listed for sale, or contract for sale" is required. per guideline.<br>Buyer Comment (2025-09-12): BPO has been uploaded |  |  | 09/23/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223993242 | [Redacted] | [Redacted] |  | 34355503 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Overdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. | Non-escrowed property costs over one year disclosed as $[redacted] vs actual amount of $[redacted]. |  |  |  | Reviewer Comment (2025-09-16): [redacted]Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-15): PCCD |  | 09/16/2025 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223993242 | [Redacted] | [Redacted] |  | 34369868 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | An AVM or BPO for the departing property is not located in the file. |  |  |  | Reviewer Comment (2025-09-15): BPO received for departing address, exception cleared.<br>Buyer Comment (2025-09-12): BPO | 09/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223993242 | [Redacted] | [Redacted] |  | 34446924 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223993242 | [Redacted] | [Redacted] |  | 34446925 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223993411 | [Redacted] | [Redacted] |  | 34359574 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent is missing. |  |  |  | Reviewer Comment (2025-09-15): Spousal Consent is not required. Exception Cleared.<br>Buyer Comment (2025-09-12): PC Cert | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223993411 | [Redacted] | [Redacted] |  | 34359577 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-09-16): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2025-09-15): COGS | 09/16/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223993481 | [Redacted] | [Redacted] |  | 34355308 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for Non-Warrantable Condo with [redacted] % commercial space (Section [redacted] limits commercial space to [redacted] %) is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elects to waive with compensating factors<br>Buyer Comment (2025-09-08): Exception form<br>Reviewer Comment (2025-09-05): Client elected to waive exceptions with compensating factors. |  |  | 09/10/2025 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223993488 | [Redacted] | [Redacted] |  | 34368166 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing certificate of foreign qualification. |  |  |  | Reviewer Comment (2025-10-17): Received required documentation. Condition cleared.<br>Buyer Comment (2025-10-15): [redacted]COGS for [redacted]showing [redacted]company active in [redacted] | 10/17/2025 |  |  | 1 C A D |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223993493 | [Redacted] | [Redacted] |  | 34360194 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to move forward without confirmation from title that charge off with [redacted] of $[redacted] dated [redacted] will not ever affect subject property's tile. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors. |  |  | 09/05/2025 | 2 B |  | KY | Primary | Purchase | B A | Non QM | Non QM | No |
| 223993511 | [Redacted] | [Redacted] |  | 34363091 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requesting to permit an [redacted]% LTV - vacant refinance. The exception is approved the landlord waiver but counteroffer on the LTV to a max of [redacted]%. Attributed exception for a fee of -[redacted]and also identified another exception in that the subject was listed for sale online in [redacted] and removed in XXXX, within the last [redacted] months. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-05): Client elects to regrade and waive based on the following compensating factors: <br> Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br> Borrower reserves exceed amount required guidelines by at lease [redacted]months. |  |  | 09/05/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223993526 | [Redacted] | [Redacted] |  | 34359714 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is required as property is in community state. |  |  |  | Reviewer Comment (2025-09-09): Spousal Consent Form is not required. Exception Cleared.<br>Buyer Comment (2025-09-06): its not a requirement as the transaction is an investment property purchase. | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223993526 | [Redacted] | [Redacted] |  | 34359852 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent is required to mitigate this exception. |  |  |  | Reviewer Comment (2025-09-09): Spousal Consent Form is not required. Exception Cleared.<br>Buyer Comment (2025-09-06): its not a requirement as the transaction is an investment property purchase. | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223993526 | [Redacted] | [Redacted] |  | 34359858 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Final application [redacted]shows assets [redacted] #[redacted]with balance $[redacted]. however there is no asset documentation available. |  |  |  | Reviewer Comment (2025-09-09): Received Bank Statements. Exception Cleared.<br>Buyer Comment (2025-09-06): [redacted]statement | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223993526 | [Redacted] | [Redacted] |  | 34359869 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines requires [redacted] months of reserves, however there is no reserves available. |  |  |  | Reviewer Comment (2025-09-09): Received bank Statements. Exception Cleared. | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223993526 | [Redacted] | [Redacted] |  | 34359879 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is a Ineligible Property type with [redacted] units and a Additional Unit. The borrower is an experienced real estate investor with more than [redacted] properties currently under management. The borrower own free/clear his $[redacted] million primary residence and has owned this property for over [redacted] years. We show over $[redacted] million in reserves at JPMorgan Chase. We are paying off a construction loan on the subject property with a balance of $[redacted] million and the borrower in[redacted] ds to bring in $[redacted] to pay the loan down to $[redacted] million. Credit is excellent and the borrower has a low revolving debt.<br> Exception Approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-06): Exception |  |  | 09/10/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223994058 | [Redacted] | [Redacted] |  | 34363074 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year [redacted] is blank on page [redacted]; however the HOA dues total $[redacted] per year. |  |  |  | Reviewer Comment (2025-09-10): [redacted]received corrected PCCD and LOE<br>Buyer Comment (2025-09-09): PCCD & LOX |  | 09/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223994058 | [Redacted] | [Redacted] |  | 34367883 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-10): [redacted]received e-consent dated [redacted]<br>Buyer Comment (2025-09-09): audit trail | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223994060 | [Redacted] | [Redacted] |  | 34363417 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for eligibility of subject property. Section [redacted]: Rurally designated properties (Rural Cash-out Refinance & Rural Investment Property & DSCR Program) | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to regrade and waive based on the following compensating factors: <br> Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br> Borrower LTV <[redacted]and [redacted]months reserves. |  |  | 09/05/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223994063 | [Redacted] | [Redacted] |  | 34360524 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-09-10): Updated [redacted]reflects Borrower is [redacted] Citizen. Exception cleared<br>Buyer Comment (2025-09-09): Revised URLA | 09/10/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| 223994063 | [Redacted] | [Redacted] |  | 34360556 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided |  | Proof of Non-Permanent Resident Alien citizenship for borrower is missing in file. Missing current Visa |  |  |  | Reviewer Comment (2025-09-10): Updated [redacted]reflects Borrower is [redacted]Citizen. Exception cleared | 09/10/2025 |  |  | 1 B A |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| 223994063 | [Redacted] | [Redacted] |  | 34360730 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condotel due to insufficient pre-sales and investment concentration. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Actual Reserves: $[redacted]<br> Required Reserves: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-05): Client elects to waive with compensating factors. |  |  | 09/05/2025 | 2 B |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| 223994075 | [Redacted] | [Redacted] |  | 34361782 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Initial LE provided on [redacted] and not signed by borrower until [redacted]. Application date is shown as [redacted]. |  |  |  | Reviewer Comment (2025-09-10): [redacted]received additional information confirming initial application date based on [redacted]piece of infor received on property address for application date.<br>Buyer Comment (2025-09-06): Hello, please see both eDisclosure tracking documents. [redacted]requests that this suspense be cleared. Thank you! | 09/10/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223994075 | [Redacted] | [Redacted] |  | 34361786 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223994101 | [Redacted] | [Redacted] |  | 34363224 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  | Closing Instructions not provided. |  |  |  | Reviewer Comment (2025-09-19): Cleared. Recived closing instructions.<br>Buyer Comment (2025-09-17): Title has stamped the document with [redacted]Procedural Rule P-[redacted]as the signature box requests officer to "hereby acknowledge receipt of these special instructions AND AGREE TO BE BOUND BY THE TERMS CONTAINED HEREIN" But per [redacted]Procedural Rule P-[redacted]: Prohibition Against Guaranties, Affirmations, Indemnifications, and Certifications.<br>No Title Insurance Company, Title Insurance Agent, Direct Operation, Escrow Officer, nor any employee, officer, director or agent of any such entity or person, shall issue or deliver any form of verbal or written guaranty, affirmation, indemnification, or certification of any fact, insurance coverage or conclusion of law to any insured or party to a transaction other than: (i) a statement that a transaction has closed and/or has been funded, (ii) issuance of an insured closing service letter, or any insuring form or endorsement promulgated by the State Board of Insurance, or (iii) certification of copies of documents as being true and exact copies of the original document or of the document recorded in the public records.<br>Please cancel this condition.<br>Reviewer Comment (2025-09-15): Provided Closing Instructions is not signed and dated. Exception Remains.<br>Buyer Comment (2025-09-15): signed instructions<br>Reviewer Comment (2025-09-11): Received closing instruction is not executed by settlement agent. Exception remains.<br>Buyer Comment (2025-09-10): Closing Instructions | 09/19/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223994136 | [Redacted] | [Redacted] |  | 34363160 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | File is missing a signed copy of Closing Statement / Disclosure from sale of departing residence. Provided Seller Closing Disclosure is not signed. |  |  |  | Reviewer Comment (2025-09-15): Closing statement received and updated. Exception cleared<br>Buyer Comment (2025-09-15): Signed ALTA from sale | 09/15/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223994136 | [Redacted] | [Redacted] |  | 34363165 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey fee of $[redacted]was added without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-09-16): [redacted]received PCCD and LOE<br>Buyer Comment (2025-09-15): PCCD | 09/16/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223994139 | [Redacted] | [Redacted] |  | 34369399 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception noted on pricing sheet for verification of rent and lease agreement not provided and was approved. Unable to waive/downgrade due to missing lender exception form and the email approval. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Decision System: [redacted]<br> DTI: [redacted]%<br>Decision System: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-12): PC Cert |  |  | 09/16/2025 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223994281 | [Redacted] | [Redacted] |  | 34363345 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to close in [redacted] different LLC's (XXXX and XXXX) using a [redacted] exchange is approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-08): Client elected to waive exceptions with compensating factors. |  |  | 09/08/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| 223994281 | [Redacted] | [Redacted] |  | 34363356 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-09-12): Received final Title. Exception cleared.<br>Buyer Comment (2025-09-11): Title | 09/12/2025 |  |  | 1 B A |  | CA | Investment | Purchase | B A |  | N/A | No |
| 223994281 | [Redacted] | [Redacted] |  | 34363357 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-09-12): Received final Title. Exception cleared. | 09/12/2025 |  |  | 1 A |  | CA | Investment | Purchase | B A |  | N/A | No |
| 223995230 | [Redacted] | [Redacted] |  | 34363514 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing within [redacted] days of Note date is missing. |  |  |  | Reviewer Comment (2025-09-24): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2025-09-23): COGS<br>Reviewer Comment (2025-09-16): Available Certificate of Good Standing is not dated within [redacted]days of the note date. Exception Remains.<br>Buyer Comment (2025-09-15): PC Cert | 09/24/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223995230 | [Redacted] | [Redacted] |  | 34363515 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution signed by all the members of the borrowing business entity is missing from the file. |  |  |  | Reviewer Comment (2025-09-16): Corporate Resolution signed by all the members of the borrowing business entity is available in file. Exception Cleared.<br>Buyer Comment (2025-09-15): PC Cert | 09/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223995231 | [Redacted] | [Redacted] |  | 34402964 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified reserves of [redacted]months is less than [redacted]months guideline requirement. Additional assets required. The source document for $[redacted]EMD is not located in the file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of .[redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-26): Client elects to waive with comp factors.<br>Reviewer Comment (2025-09-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-18): Compensating Factors: Property is a new construction, DSCR is [redacted]which is .[redacted]above required [redacted].<br>Reviewer Comment (2025-09-17): Received updated lender exception approval however compensating factors are not selected on the document. Please provide lender comp factors.<br>Buyer Comment (2025-09-16): Updated exception<br>Reviewer Comment (2025-09-16): Unable to clear exception, per lender approved exception minimum [redacted]months however calculated reserve is [redacted]. Insufficient reserve.<br>Buyer Comment (2025-09-12): Exception |  |  | 09/22/2025 | 2 C B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 223995233 | [Redacted] | [Redacted] |  | 34363421 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-18): Preliminary appraisal was downloaded by borrower on [redacted].<br>Buyer Comment (2025-09-17): Rebuttal uploaded<br>Reviewer Comment (2025-09-16): Exception remains - Received right to receive copy of appraisal but [redacted]option is not selected. Provide a right to receive copy of appraisal document signed within [redacted]days of closing date with [redacted]option selected.<br>Buyer Comment (2025-09-15): Acknowledgement<br>Reviewer Comment (2025-09-15): Provide a right to receive copy of appraisal document signed within [redacted]days of closing date. Provided one is initial. Exception remains.<br>Buyer Comment (2025-09-12): Right To Receive uploaded<br>Reviewer Comment (2025-09-10): Please provide right to receive copy of appraisal document signed within [redacted]days before closing, Exception remains.<br>Buyer Comment (2025-09-09): App conf uploaded | 09/18/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995233 | [Redacted] | [Redacted] |  | 34363423 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-09-18): Preliminary appraisal was downloaded by borrower on [redacted].<br>Buyer Comment (2025-09-17): Rebuttal<br>Reviewer Comment (2025-09-16): Exception remains - Received right to receive copy of appraisal but [redacted] option is not selected. Provide a right to receive copy of appraisal document signed within [redacted]days of closing date with [redacted]option selected.<br>Buyer Comment (2025-09-15): Acknowledgement uploaded<br>Reviewer Comment (2025-09-15): Provide a right to receive copy of appraisal document signed within [redacted]days of closing date. Provided one is initial. Exception remains.<br>Buyer Comment (2025-09-12): Right To Receive<br>Reviewer Comment (2025-09-10): Please provide right to receive copy of appraisal document signed within [redacted]days before closing, Exception remains.<br>Buyer Comment (2025-09-09): App conf | 09/18/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995233 | [Redacted] | [Redacted] |  | 34491005 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. | Revised Appraisal report dated [redacted] was not provided within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-10-01): Proof of appraisal delivery received, exception cleared.<br>Buyer Comment (2025-09-30): App Conf | 10/01/2025 |  |  | 1 A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995237 | [Redacted] | [Redacted] |  | 34363746 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided |  | Please override as not required. |  |  |  | Reviewer Comment (2025-09-12): The note is signed by as a member. Information not required in the file.<br>Buyer Comment (2025-09-11): [redacted]is a managing member on not on the loan, please cancel | 09/12/2025 |  |  | 1 B A |  | MA | Investment | Purchase | B A |  | N/A | No |
| 223995239 | [Redacted] | [Redacted] |  | 34363618 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage [redacted] provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-09-12): The checklist of coverage is provided.<br>Buyer Comment (2025-09-10): checklist [redacted]% replacement cost | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223995239 | [Redacted] | [Redacted] |  | 34363631 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for request to permit a $[redacted]loan amount. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-08): Preapproved exception |  |  | 09/08/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223995239 | [Redacted] | [Redacted] |  | 34363637 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted] , Most Recent Tax Return End Date [redacted] , Tax Return Due Date [redacted] . | Waterfall due to business ex[redacted] sion not received. ([redacted]-S is for [redacted]& [redacted]) However [redacted]not provided. |  |  |  | Reviewer Comment (2025-09-12): Client elects to waive.<br>Buyer Comment (2025-09-10): tax extension |  |  | 09/12/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223995239 | [Redacted] | [Redacted] |  | 34363638 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted] , Most Recent Tax Return End Date [redacted] , Tax Return Due Date [redacted] . | Waterfall due to business ex[redacted] sion not received. ([redacted]-S is for [redacted]& [redacted]) However [redacted]not provided. |  |  |  | Buyer Comment (2025-09-22): ok to waive this [redacted]finding<br>Buyer Comment (2025-09-22): please waive this [redacted]findings<br>Reviewer Comment (2025-09-12): Exception is an ATR informative EV[redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent.<br>Buyer Comment (2025-09-12): tax extension were provided |  |  | 09/22/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223995239 | [Redacted] | [Redacted] |  | 34363639 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] , Tax Return Due Date [redacted] . | Waterfall due to business ex[redacted] sion not received. ([redacted]-S is for [redacted]& [redacted]) However [redacted]not provided. |  |  |  | Buyer Comment (2025-09-22): ok to waive this [redacted]finding<br>Reviewer Comment (2025-09-12): Exception is an ATR informative [redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent.<br>Buyer Comment (2025-09-12): tax extension were provided |  |  | 09/22/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223995239 | [Redacted] | [Redacted] |  | 34363640 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-18): [redacted]Received Valid COC dated [redacted].<br>Buyer Comment (2025-09-17): Investor memo<br>Reviewer Comment (2025-09-12): The memo/document provided is not related to the subject loan.<br>Buyer Comment (2025-09-12): Investor memo | 09/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223995240 | [Redacted] | [Redacted] |  | 34364344 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final executed HUD. |  |  |  | Reviewer Comment (2025-09-19): Received Closing statement. Exception Cleared.<br>Buyer Comment (2025-09-18): ALTA | 09/19/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223995242 | [Redacted] | [Redacted] |  | 34369971 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | File is missing the final CD from the sale of the departure residence. |  |  |  | Reviewer Comment (2025-09-10): Cleared. Received CD<br>Buyer Comment (2025-09-09): Please see the attached final CD.<br>Buyer Comment (2025-09-08): HUD/CD | 09/10/2025 |  |  | 1 C A |  | ND | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995246 | [Redacted] | [Redacted] |  | 34363296 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-09): E-sign consent received. Exception cleared<br>Buyer Comment (2025-09-08): E Consent | 09/09/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995246 | [Redacted] | [Redacted] |  | 34363305 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Missing Divorce Decree / Child Support. |  |  |  | Reviewer Comment (2025-09-30): Child Support document received, exception cleared.<br>Buyer Comment (2025-09-29): Child support order | 09/30/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995246 | [Redacted] | [Redacted] |  | 34370137 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for a private party VOR (borrower pays rent in cash) is approved. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-07): Client elected to waive exceptions with compensating factors. |  |  | 09/07/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995249 | [Redacted] | [Redacted] |  | 34363321 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $[redacted] of title insurance coverage; however this is less than the loan amount of $[redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-09-15): Received title commitment. Exception cleared.<br>Buyer Comment (2025-09-11): title commitment | 09/15/2025 |  |  | 1 B A |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995429 | [Redacted] | [Redacted] |  | 34363562 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | SC | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223995527 | [Redacted] | [Redacted] |  | 34363851 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. |  |  |  |  | Reviewer Comment (2025-09-11): [redacted]Received Initial LE.<br>Buyer Comment (2025-09-10): INITAL LE | 09/11/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995527 | [Redacted] | [Redacted] |  | 34363869 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [redacted] Loan Estimate and again on [redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-09-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-10): LC was provided on final CD-- Please Clear | 09/11/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223995527 | [Redacted] | [Redacted] |  | 34363870 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [redacted] Loan Estimate and again on [redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-09-12): [redacted]received Post CD and LOX by moving fee to Section [redacted].<br>Buyer Comment (2025-09-11): Pccd/lox and Title Email confirmation-- Survey fee moved to correct section | 09/12/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223995527 | [Redacted] | [Redacted] |  | 34427325 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223995533 | [Redacted] | [Redacted] |  | 34363864 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. Blend Shows electronic consent pending. |  |  |  | Reviewer Comment (2025-09-10): Esign consent provided.<br>Buyer Comment (2025-09-09): audit trail | 09/10/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995611 | [Redacted] | [Redacted] |  | 34365710 |  |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City name does not match with note. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Actual Reserves: $[redacted]<br> Required Reserves: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-30): Corrected city name closing documents received, exception cleared.<br>Buyer Comment (2025-09-29): Please see corrective closing package uploaded today<br>Reviewer Comment (2025-09-08): Subject Address does not match Note address. Per USPS address look up the correct city is [redacted] | 09/30/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995611 | [Redacted] | [Redacted] |  | 34365711 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City name does not match with note. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Actual Reserves: $[redacted]<br> Required Reserves: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-30): Corrected city name closing documents received, exception cleared.<br>Buyer Comment (2025-09-29): Please see corrective closing package uploaded today<br>Reviewer Comment (2025-09-08): Subject Address does not match Note address. Per USPS address look up the correct city is[redacted] | 09/30/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995611 | [Redacted] | [Redacted] |  | 34365712 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | City name does not match with note. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Actual Reserves: $[redacted]<br> Required Reserves: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-30): Corrected city name closing documents received, exception cleared.<br>Buyer Comment (2025-09-29): Please see full corrective executed closing package correcting subject property city to[redacted]. Note includes Destroyed Note Affidavit and [redacted]includes Letter of Intent to Record.<br>Reviewer Comment (2025-09-08): Subject Address does not match Note address. Per USPS address look up the correct city is[redacted] | 09/30/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995611 | [Redacted] | [Redacted] |  | 34365812 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower is s/e <[redacted] years and has decline in deposits of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Actual Reserves: $[redacted]<br> Required Reserves: $[redacted]<br>Borrower's Own Funds Percent: [redacted]%<br> Borrower's Own Funds Amount: $[redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-17): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-15): Please advise what is needed to cure this condition<br>Reviewer Comment (2025-09-08): Borrower is s/e <[redacted] years and has decline in deposits of [redacted]%. |  |  | 09/17/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995611 | [Redacted] | [Redacted] |  | 34365825 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Septic Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Septic Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-16): [redacted]Received Corrected PCCD and LOE moving fee to Section [redacted].<br>Buyer Comment (2025-09-15): PCCD | 09/16/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223995619 | [Redacted] | [Redacted] |  | 34364313 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower rolling [redacted]day late on primary housing payment [redacted]. P&L credit overlay required [redacted]. Requesting additional exception for P&L to be produced by PTIN. Guidelines state P&L need to be from CPA, EA, or CTEC. CPA letter provided by licensed CPA for P&L program in file, but CPA did not file borrowers recent years tax returns. Guidelines require CPA letter to include verbiage that they filed borrowers most recent years tax returns. 2.) Allow verbiage of "No assurance is provided on the Profit & Loss statement as I did not perform any attestation services" to remain on CPA letter. Per letter borrower only reviewed bank statements provided by borrower. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-09-12): Exception<br>Reviewer Comment (2025-09-08): Allow verbiage of "No assurance is provided on the Profit & Loss statement as I did not perform any attestation services" to remain on CPA letter. Per letter borrower only reviewed bank statements provided by borrower. |  |  | 09/16/2025 | 2 B |  | IN | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223995619 | [Redacted] | [Redacted] |  | 34364327 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Provided loan estimate was signed on [redacted] which was not signed within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-09-17): [redacted]received tracking stating LE was sent via mail.<br>Buyer Comment (2025-09-16): Please see attached showing initial LE went out via mail USPS | 09/17/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223995623 | [Redacted] | [Redacted] |  | 34369322 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  |  |  |  |  | Reviewer Comment (2025-09-12): Cleared. Received addtional statement<br>Buyer Comment (2025-09-10): Please see asset documents | 09/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995623 | [Redacted] | [Redacted] |  | 34369336 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Taxes and Insurance documentation is missing for the [redacted] , [redacted] , and [redacted] [redacted] properties. |  |  |  | Reviewer Comment (2025-09-12): Cleared. Received REO docs.<br>Buyer Comment (2025-09-10): REO docs for [redacted] [redacted]-- [redacted] --[redacted]<br>Buyer Comment (2025-09-10): REO docs for [redacted]-- [redacted] --[redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 223995623 | [Redacted] | [Redacted] |  | 34369364 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower for [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. |  |  |  | Reviewer Comment (2025-09-26): [redacted]received corrected PCCD and LOE with moving non lender required fee from Section [redacted] to H.<br>Buyer Comment (2025-09-24): Attorney fee moved to Section [redacted]. please note there are two separate fees. One remains in Section [redacted] the other moved to [redacetd]<br>Buyer Comment (2025-09-24): There are two separate attorney fees. The one the borrower choose was moved to Section [redacted] please see attachment<br>Reviewer Comment (2025-09-23): [redacted]received Letter of explanation and Corrected Closing disclosure. But the title - attorney opinion letter fee of $[redacted]not moved from B to C. Provide updated CD with LOX to move the fee from Section [redacted] to C or Cure would be due to borrower.<br>Buyer Comment (2025-09-22): PCCD/LOX for fee relocate<br>Reviewer Comment (2025-09-17): [redacted]received LOX for rebuttal response. However, Title endorsement fee of $[redacted]and Attorney Opinion letter fee $[redacted]disclosed is in Section [redacted] of CD under borrower cannot shopped for service section. Moreover, these fees were payable to [redacted]. Provider listed on SSPL is[redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section [redacted] and LOE to borrower required to cure.<br>Buyer Comment (2025-09-15): Rebuttal | 09/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223995623 | [Redacted] | [Redacted] |  | 34369365 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower for [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-10): LENDER CREDIT ADDED FOR $[redacted]ON FCD | 09/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223995623 | [Redacted] | [Redacted] |  | 34577160 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-26): Sufficient Cure Provided At Closing |  | 09/26/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223996885 | [Redacted] | [Redacted] |  | 34367841 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The Chase #[redacted] statement is missing for [redacted] for income verification, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-11): Cleared. Received missing bank statement.<br>Buyer Comment (2025-09-09): [redacted] | 09/11/2025 |  |  | 1 B A C |  | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223996885 | [Redacted] | [Redacted] |  | 34367842 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide the business account statement for the account ending [redacted] for the month of [redacted] |  |  |  | Reviewer Comment (2025-09-11): Cleared. Received missing bank statement.<br>Buyer Comment (2025-09-09): see uploaded | 09/11/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
| 223996885 | [Redacted] | [Redacted] |  | 34367844 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The Chase #[redacted] statement is missing for [redacted] for income verification. |  |  |  | Reviewer Comment (2025-09-11): Cleared. Received missing bank statement.<br>Buyer Comment (2025-09-09): see uploaded | 09/11/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
| 223996885 | [Redacted] | [Redacted] |  | 34367847 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure and no valid COC provided. |  |  |  | Reviewer Comment (2025-09-19): [redacted]received Post CD and LOX by moving fee to Section [redacted].<br>Buyer Comment (2025-09-18): see PCCD & LOX moving the survey fee and the email from title<br>Reviewer Comment (2025-09-16): [redacted]: Cure provided at closing insufficient to cure for all the citied exception. However, [redacted]is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee, then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. | 09/19/2025 |  |  | 1 C A |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223996885 | [Redacted] | [Redacted] |  | 34367848 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Cure provided but no valid COC provided. |  |  |  | Reviewer Comment (2025-09-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-18): see uploaded<br>Reviewer Comment (2025-09-16): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) for the transfer taxes fee added resulting in a cleared exception.<br>Buyer Comment (2025-09-12): Please cancel this invalid condition - the refund for this is listed on the final cd | 09/19/2025 |  |  | 1 C A |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223996885 | [Redacted] | [Redacted] |  | 34375958 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The XXXX #[redacted]statement is missing for [redacted] for income verification. |  |  |  | Reviewer Comment (2025-09-11): Cleared. Received missing bank statement.<br>Buyer Comment (2025-09-09): see uploaded | 09/11/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
| 223996885 | [Redacted] | [Redacted] |  | 34375989 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The XXXX #[redacted]statement is missing for [redacted] for income verification, |  |  |  | Reviewer Comment (2025-09-11): Cleared. Received bank statement.<br>Buyer Comment (2025-09-09): see uploaded | 09/11/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
| 223996885 | [Redacted] | [Redacted] |  | 34375994 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | e XXXX #[redacted] statement is missing for [redacted] for income verification, |  |  |  | Reviewer Comment (2025-09-11): Cleared. Received missing bank statement.<br>Buyer Comment (2025-09-09): see uploaded | 09/11/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
| 223996885 | [Redacted] | [Redacted] |  | 34498606 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223997088 | [Redacted] | [Redacted] |  | 34368768 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-11): Please see final CD section J lender credit - both appraisal re-inspection fee and credit report fee were cured. $[redacted]variance due to known rounding on loan estimate. | 09/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223997088 | [Redacted] | [Redacted] |  | 34368769 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-11): Please see final CD section J lender credit - both appraisal re-inspection fee and credit report fee were cured. $[redacted]variance due to known rounding on loan estimate. | 09/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223997088 | [Redacted] | [Redacted] |  | 34376303 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for FTHB unable to document a complete [redacted] month rental history with bank statements/cancelled checks and Lease. Condition for UW to verify occupancy supported for both borrowers. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-08): Client elected to waive exceptions with compensating factors. |  |  | 09/08/2025 | 2 B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223997088 | [Redacted] | [Redacted] |  | 34427186 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223997088 | [Redacted] | [Redacted] |  | 34427187 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223998155 | [Redacted] | [Redacted] |  | 34368647 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-16): Tax Certificate received for Reo Property - Address: [redacted]. Details verified and updated Exception cleared.<br>Buyer Comment (2025-09-15): REO docs | 09/16/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223999951 | [Redacted] | [Redacted] |  | 34392692 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved to allow closing in a property partially owned by a Trust. The borrower is a Trustee only and the Settlor is not a borrower on the loan. Condition - Current trustee of the [redacted] to sign [redacted] confirming revocability and Trust grantor is living. Rate/Term only with max of $[redacted]cash out. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Preapproved exception |  |  | 09/09/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223999951 | [Redacted] | [Redacted] |  | 34392994 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard Insurance verification document is missing from the file. |  |  |  | Reviewer Comment (2025-09-12): Insurance verification received, Exception Cleared<br>Buyer Comment (2025-09-10): HOI FOR [redacted] | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223999951 | [Redacted] | [Redacted] |  | 34392997 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard Insurance verification document is missing from the file. |  |  |  | Reviewer Comment (2025-09-12): Insurance verification received, Exception Cleared<br>Buyer Comment (2025-09-10): [redacted] HOI | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223999951 | [Redacted] | [Redacted] |  | 34392998 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard Insurance verification document is missing from the file. |  |  |  | Reviewer Comment (2025-09-12): Insurance verification received, Exception Cleared<br>Buyer Comment (2025-09-10): HOI FOR[redacted]<br>Buyer Comment (2025-09-10): HOI FOR [redacted] | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223999951 | [Redacted] | [Redacted] |  | 34393000 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee increased and a valid COC was not provided. |  |  |  | Reviewer Comment (2025-09-25): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-24): check copy, PCCD LOX AND [redacted] |  | 09/25/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223999964 | [Redacted] | [Redacted] |  | 34371375 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD/CD in file. |  |  |  | Reviewer Comment (2025-09-16): Provided final closing statement. Exception cleared.<br>Buyer Comment (2025-09-12): final HUD | 09/16/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224000004 | [Redacted] | [Redacted] |  | 34371646 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. [redacted] showing Econsent pending. |  |  |  | Reviewer Comment (2025-09-16): E-Sign Consent Agreement received and associated. Exception cleared<br>Buyer Comment (2025-09-15): econsent | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224000004 | [Redacted] | [Redacted] |  | 34371652 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased from $[redacted]to $[redacted]without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-10-03): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-10-03): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. ([redacted])<br>Buyer Comment (2025-10-02): estimated delivery today, please check tracking number back later<br>Reviewer Comment (2025-09-29): [redacted]received Post CD,LOX,Copy of refund check and proof of mailing . [redacted]tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-26): PCCD |  | 10/03/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224000015 | [Redacted] | [Redacted] |  | 34371562 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224000021 | [Redacted] | [Redacted] |  | 34371339 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for payment history as borrower boyfriend has been making mortgage payment for past [redacted] years. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-12): client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-12): Client elects to waive with compensating factors<br>Buyer Comment (2025-09-10): Is this informational or is there anything needed for this? |  |  | 09/12/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 224000021 | [Redacted] | [Redacted] |  | 34371379 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-09-12): Cleared. Received updated title.<br>Buyer Comment (2025-09-12): updated title commitment | 09/12/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 224000021 | [Redacted] | [Redacted] |  | 34371387 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee in loan estimate is $[redacted]and closing disclosure reflects $[redacted]. No valid change circumstance in file for this fee. |  |  |  | Reviewer Comment (2025-09-18): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-17): [redacted] tracking<br>Reviewer Comment (2025-09-15): [redacted]received Post CD,LOX,Copy of refund check and proof of mailing . [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-12): PCCD, LOX, Label and check |  | 09/18/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224000021 | [Redacted] | [Redacted] |  | 34373008 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for use of appraised value in lieu of purchase price for [redacted] months ownership. Seller carry Note used for purchase in [redacted], paid off and ownership title taken on [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elected to waive exceptions with compensating factors.<br>Buyer Comment (2025-09-12): this is still open<br>Reviewer Comment (2025-09-12): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-10): is there anything needed for this or is it informational? |  |  | 09/16/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 224000032 | [Redacted] | [Redacted] |  | 34393363 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for Unverified Housing History. Chapter [redacted] BK in [redacted]with [redacted] mortgages in BK that were not reaffirmed. Condition for Max [redacted] % LTV, [redacted] month pay history of [redacted]for [redacted], ACH required. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Preapproved exception |  |  | 09/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 224000033 | [Redacted] | [Redacted] |  | 34371309 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance Verification, Tax Verification. |  |  |  | Reviewer Comment (2025-09-12): Received reo docs<br>Buyer Comment (2025-09-10): Pg [redacted]- [redacted][redacted]HOI / Pg [redacted]-[redacted][redacted]Tax Verification, please cancel | 09/12/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| 224000033 | [Redacted] | [Redacted] |  | 34371313 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to Recording Fee. No valid COC provided, Specific credit of $[redacted] has been provided as cure at closing. |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224000037 | [Redacted] | [Redacted] |  | 34371340 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Unanimous Consent & Resolution to borrow is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-09-15): Received Corporate Resolution document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-09-15): Resolution | 09/15/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 224000037 | [Redacted] | [Redacted] |  | 34371341 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requesting to use rental income from a lease ($[redacted]) to develop the DSCR. The exception is approved for proof of receipt of [redacted]month's rent and security deposit due per the terms of the lease and all other signature expanded guidelines to be met. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elected to waive exceptions with compensating factors. |  |  | 09/10/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 224000038 | [Redacted] | [Redacted] |  | 34372497 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-09-15): Received Business Purpose Certificate document. Exception cleared.<br>Buyer Comment (2025-09-12): business cert | 09/15/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 224000038 | [Redacted] | [Redacted] |  | 34372551 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to allow rate/term refinance of a recently matured mortgage "balloon" balance has been outstanding > [redacted]days since the maturity date. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Combined Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-12): exception form<br>Reviewer Comment (2025-09-10): Client elected to waive exceptions with compensating factors. |  |  | 09/16/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 224000042 | [Redacted] | [Redacted] |  | 34372065 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee amount as per the closing disclosure $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-25): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-24): PCCD/LOX AND [redacted] LAB<br>Buyer Comment (2025-09-24): steele refund check copy<br>Reviewer Comment (2025-09-11): [redacted]Overall cure required was $[redacted]. Final CD reflects $[redacted]as Lender Cure and $[redacted]as Lender Paid; however, Appraisal fee on Final CD is still reflecting as $[redacted]and Lender Paid $[redacted]will be considered as separate credit. Provide additional Cure of $[redacted]. Cure Docs Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-10): We see a Lender Credit provided on FCD for $[redacted]. There is also a $[redacted]lender paid credit added on FCD |  | 09/25/2025 |  | 2 C B |  | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224000042 | [Redacted] | [Redacted] |  | 34372069 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved to allow Loan amount of $[redacted]with discharged Chapter [redacted]BK < [redacted]years. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-09): Client elected to waive exceptions with compensating factors. |  |  | 09/09/2025 | 2 B |  | MA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 224000052 | [Redacted] | [Redacted] |  | 34371660 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow [redacted]% LTV exception to [redacted]%. The exception is approved for minimum [redacted] months reserves and subject to meeting all other [redacted] guideline requirements. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elected to waive exceptions with compensating factors. |  |  | 09/10/2025 | 2 B |  | PA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224000300 | [Redacted] | [Redacted] |  | 34372538 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved to allow [redacted]% LTV. [redacted]% LTV Max per guides due to being Self-Employed < [redacted]years. Condition of additional [redacted]months reserves for [redacted]months total. Verify past realtor experience. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Preapproved exception |  |  | 09/10/2025 | 2 B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224000300 | [Redacted] | [Redacted] |  | 34372559 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased from $[redacted]to $[redacted]without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-09-30): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-29): expected delivery today at [redacted]-[redacted], please check tracking again later.<br>Reviewer Comment (2025-09-26): [redacted]received PCCD, LOE and copy of refund check. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-09-25): PCCD + refund |  | 09/30/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224003663 | [Redacted] | [Redacted] |  | 34373120 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfwer tax fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224003663 | [Redacted] | [Redacted] |  | 34401907 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | Missing Blanket policy for XXXX association to confirm Walls in Coverage |  |  |  | Reviewer Comment (2025-09-24): Received Master Insurance Policy. Exception cleared.<br>Buyer Comment (2025-09-23): master insurance policy | 09/24/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 224003663 | [Redacted] | [Redacted] |  | 34401950 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Missing blanket coverage from townhouse community to confirm coverage. |  |  |  | Reviewer Comment (2025-09-24): Received Master Insurance Policy. Exception cleared.<br>Buyer Comment (2025-09-23): master policy | 09/24/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 224004805 | [Redacted] | [Redacted] |  | 34376969 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-15): documents received.<br>Buyer Comment (2025-09-11): E-Sign Consent Agreement | 09/15/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 224004805 | [Redacted] | [Redacted] |  | 34377034 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted]% use of business assets for qualification in the asset qualifier program when guidelines state they are ineligible for use (can be used as funds to close only.) | Borrower has verified disposable income of at least $[redacted]. | Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elected to waive exceptions with compensating factors. |  |  | 09/10/2025 | 2 B |  | AZ | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 224004805 | [Redacted] | [Redacted] |  | 34377042 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Non-warrantable condo due to ongoing repairs. | Borrower has verified disposable income of at least $[redacted]. | Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-09-10): Client elected to waive exceptions with compensating factors. |  |  | 09/10/2025 | 2 B |  | AZ | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 224004805 | [Redacted] | [Redacted] |  | 34402119 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification was not located in file. |  |  |  | Reviewer Comment (2025-09-15): documents received.<br>Buyer Comment (2025-09-11): Tax Cert for [redacted] [redacted] [redacted] | 09/15/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 224012513 | [Redacted] | [Redacted] |  | 34389812 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance verification not provided for investment property located at [redacted] |  |  |  | Reviewer Comment (2025-09-23): HOA proof received, exception cleared.<br>Buyer Comment (2025-09-22): HOA Verification<br>Reviewer Comment (2025-09-17): Require clarification for $[redacted]as not able to determine whether the same is Hoa or not, Exception remains.<br>Buyer Comment (2025-09-16): HOI | 09/23/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 224012513 | [Redacted] | [Redacted] |  | 34402437 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for condo project with only [redacted]% presale vs guideline minimum of [redacted]% is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Preapproved exception |  |  | 09/10/2025 | 2 B |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 224012513 | [Redacted] | [Redacted] |  | 34402446 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for HOA fidelity/crime coverage limit of $[redacted]is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Preapproved exception |  |  | 09/10/2025 | 2 B |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 224012537 | [Redacted] | [Redacted] |  | 34390032 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | NC | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224012537 | [Redacted] | [Redacted] |  | 34390033 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | NC | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224013510 | [Redacted] | [Redacted] |  | 34391535 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Proof of borrower's permanent residency was missing from loan documents. |  |  |  | Reviewer Comment (2025-09-16): Received Permanent Resident Card in the file. Exception Cleared.<br>Buyer Comment (2025-09-15): ID | 09/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224013531 | [Redacted] | [Redacted] |  | 34393902 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for Rurally Designated Properties (Cash-out refi - Not allowed) | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-11): Client elected to waive exceptions with compensating factors. |  |  | 09/11/2025 | 2 B |  | AR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 224013533 | [Redacted] | [Redacted] |  | 34403925 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approving different income calculation and for the length of self employment. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-11): Client elected to waive exceptions with compensating factors. |  |  | 09/11/2025 | 2 B |  | WI | Primary | Purchase | B A | Non QM | Non QM | No |
| 224013533 | [Redacted] | [Redacted] |  | 34632450 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-10-08): Post-Disaster Inspection received.<br>Buyer Comment (2025-10-06): CLEARED PDI | 10/08/2025 |  |  | 1 A |  | WI | Primary | Purchase | B A | Non QM | Non QM | No |
| 224014247 | [Redacted] | [Redacted] |  | 34403588 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for Non-Warrantable Condo due to ongoing repairs. Condition to ensure safety of occupants during repairs | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-17): Client elected to waive exceptions with compensating factors.<br>Reviewer Comment (2025-09-11): Client elected to waive exceptions with compensating factors. |  |  | 09/17/2025 | 2 B |  | MN | Primary | Purchase | B A | Non QM | Non QM | No |
| 224015070 | [Redacted] | [Redacted] |  | 34394560 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for B2, has less than [redacted] years [redacted] with [redacted] LLC. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-09-10): Client elected to waive exceptions with compensating factors. |  |  | 09/10/2025 | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| 224015705 | [Redacted] | [Redacted] |  | 34606586 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Asset income discrepancy. |  |  |  | Reviewer Comment (2025-10-07): [redacted]statement was provided.<br>Buyer Comment (2025-10-03): [redacted]<br>Reviewer Comment (2025-10-03): The account balances reflected on the worksheet do not match the statement balances in the file. Statement for XXXX retirement funds is not located in the file.<br>Buyer Comment (2025-10-01): Please review assets used as income discrepancy | 10/07/2025 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| 224020245 | [Redacted] | [Redacted] |  | 34397764 |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Lender exception request for Non-permanent resident alien - EAD card in file shows Category C[redacted] is approved. Exception conditions are [redacted] months reserves, minimum contribution from borrower's own funds of [redacted]%, and subject to meeting all other guideline requirements. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-11): Client elected to waive exceptions with compensating factors. |  |  | 09/11/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020245 | [Redacted] | [Redacted] |  | 34397766 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-23): E-sign Consent Agreement received and verified. Exception cleared.<br>Buyer Comment (2025-09-19): See attached | 09/23/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020245 | [Redacted] | [Redacted] |  | 34397780 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing |  | 09/10/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224020319 | [Redacted] | [Redacted] |  | 34397729 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Omitting PITIA on departing primary with [redacted]months reserves and [redacted]% equity rather than the required [redacted]%. |  |  |  | Reviewer Comment (2025-09-25): Listing agreement received & associated. Exception cleared.<br>Buyer Comment (2025-09-24): Listing<br>Reviewer Comment (2025-09-19): Letter of intent to list departing residence for sell.<br>Buyer Comment (2025-09-17): Is there anything needed on this or is it informational? | 09/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 224020319 | [Redacted] | [Redacted] |  | 34397772 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount as per the closing disclosure of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing |  | 09/10/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224020320 | [Redacted] | [Redacted] |  | 34397535 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-18): Received E-sign Consent document. Exception cleared.<br>Buyer Comment (2025-09-17): E Consent | 09/18/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | C A | Non QM | Non QM | No |
| 224020325 | [Redacted] | [Redacted] |  | 34398621 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing the source of the $[redacted]gift. |  |  |  | Reviewer Comment (2025-09-18): Wire confirmation received for gift fund $[redacted]. Exception cleared<br>Buyer Comment (2025-09-17): gift | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020325 | [Redacted] | [Redacted] |  | 34398622 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing the source of the $[redacted]gift. |  |  |  | Reviewer Comment (2025-09-22): Provided source of funds of Gift funds in the amount of $[redacted]with [redacted] wire confirmation of $[redacted]& $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-19): There were [redacted]separate wires sent which all add up to gift letter- see uploaded<br>Reviewer Comment (2025-09-18): Missing the source of the $[redacted]gift. Exception remains<br>Buyer Comment (2025-09-17): gift | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020325 | [Redacted] | [Redacted] |  | 34398844 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed Test fails due to Homeowners Dues fee $[redacted] |  |  |  | Reviewer Comment (2025-09-18): [redacted]received PCCD and LOE.<br>Buyer Comment (2025-09-17): PCCD & LOX moving HOA dues from Section [redacted] to H - please remove the fee from your testing as it is a non APR fee |  | 09/18/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224020325 | [Redacted] | [Redacted] |  | 34398845 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Financed Charged Test fails due to Homeowners Dues fee $[redacted] |  |  |  | Reviewer Comment (2025-09-18): [redacted]received PCCD and LOE.<br>Buyer Comment (2025-09-17): see uploaded |  | 09/18/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224020325 | [Redacted] | [Redacted] |  | 34398864 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing the source of the $[redacted]K and $[redacted]K gifts. |  |  |  | Reviewer Comment (2025-09-22): Provided source of funds of Gift funds in the amount of $[redacted]with [redacted]wire confirmation of $[redacted] & $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-19): There were [redacted] separate wires sent which all add up to gift letter- see uploaded<br>Reviewer Comment (2025-09-18): Wire confirmation received for gift fund $[redacted]. Missing source of the $[redacted]gift. Exception remains<br>Buyer Comment (2025-09-17): see uploaded | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020325 | [Redacted] | [Redacted] |  | 34398879 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to insufficient assets. |  |  |  | Reviewer Comment (2025-09-22): Provided source of funds of Gift funds in the amount of $[redacted]with [redacted]wire confirmation of $[redacted]& $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-19): There were[redacted] separate wires sent which all add up to gift letter- see uploaded<br>Reviewer Comment (2025-09-18): Wire confirmation received for gift fund $[redacted]. Missing source of the $[redacted] gift. Exception remains<br>Buyer Comment (2025-09-17): see uploaded | 09/22/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 224020325 | [Redacted] | [Redacted] |  | 34398880 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to insufficient assets. |  |  |  | Reviewer Comment (2025-09-22): Provided source of funds of Gift funds in the amount of $[redacted]with [redacted]wire confirmation of $[redacted]& $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-19): There were [redacted] separate wires sent which all add up to gift letter- see uploaded<br>Reviewer Comment (2025-09-18): Wire confirmation received for gift fund $[redacted]. Missing source of the $[redacted]gift. Exception remains<br>Buyer Comment (2025-09-17): see uploaded | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020325 | [Redacted] | [Redacted] |  | 34398883 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing the source of the $[redacted]K and $[redacted]K gifts. |  |  |  | Reviewer Comment (2025-09-22): Provided source of funds of Gift funds in the amount of $[redacted]with [redacted]wire confirmation of $[redacted]& $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-19): There were [redacted] separate wires sent which all add up to gift letter- see uploaded<br>Reviewer Comment (2025-09-18): Wire confirmation received for gift fund $[redacted]. Missing source of the $[redacted]gift. Exception remains<br>Buyer Comment (2025-09-17): see uploaded | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020325 | [Redacted] | [Redacted] |  | 34425737 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing the source of the $[redacted]K and $[redacted]K gifts. |  |  |  | Reviewer Comment (2025-09-22): Provided source of funds of Gift funds in the amount of $[redacted]with [redacted]wire confirmation of $[redacted]& $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-19): There were [redacted] separate wires sent which all add up to gift letter- see uploaded<br>Reviewer Comment (2025-09-18): Wire confirmation received for gift fund $[redacted]. Missing source of the $[redacted]gift. Exception remains<br>Buyer Comment (2025-09-17): see uploaded | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224020325 | [Redacted] | [Redacted] |  | 34425738 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing the source of the $[redacted]K and $[redacted]K gifts. |  |  |  | Reviewer Comment (2025-09-22): Provided source of funds of Gift funds in the amount of $[redacted]with [redacted]wire confirmation of $[redacted]& $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-19): There were [redacted] separate wires sent which all add up to gift letter- see uploaded<br>Reviewer Comment (2025-09-18): Wire confirmation received for gift fund $[redacted]. Missing source of the $[redacted]gift. Exception remains<br>Buyer Comment (2025-09-17): see uploaded | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224021371 | [Redacted] | [Redacted] |  | 34401555 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-09-29): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-26): PCCD, LOX, Label and check |  | 09/29/2025 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224021371 | [Redacted] | [Redacted] |  | 34401594 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for [redacted] with only [redacted] tradeline ([redacted]alt credit) which does not meet guidelines. Condition for Max [redacted]% LTV and ACH agreement signed at closing. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-11): Client elected to waive exceptions with compensating factors. |  |  | 09/11/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224021827 | [Redacted] | [Redacted] |  | 34401082 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception cleared - E-Sign Consent Agreement received and updated clarity.<br>Buyer Comment (2025-09-17): audit trail | 09/18/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| 224021929 | [Redacted] | [Redacted] |  | 34402158 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-09-24): Received Non-QM Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-09-23): business purpose cert | 09/24/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224021929 | [Redacted] | [Redacted] |  | 34402160 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization is missing in file. |  |  |  | Reviewer Comment (2025-09-24): Received Non-QM Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-09-23): business purpose cert | 09/24/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224021934 | [Redacted] | [Redacted] |  | 34398529 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-09-18): Email confirmation received about active status, WVOE provided for start date.<br>Buyer Comment (2025-09-17): PC Cert | 09/18/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 224021934 | [Redacted] | [Redacted] |  | 34398706 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for unacceptable property type (property is a manufactured home) is approved.<br>Exception has been approved on the basis of - <br> 1) Max [redacted]% LTV<br> 2) Must meet all other manufacturing home guidelines<br> 3) Borrower to sign ACH Agreement at closing<br> 4) Subject to meeting all other Signature Expanded guideline requirements | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-11): Client elected to waive exceptions with compensating factors. |  |  | 09/11/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 224021934 | [Redacted] | [Redacted] |  | 34416653 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-09-18): Email confirmation received about active status, WVOE provided for start date.<br>Buyer Comment (2025-09-17): PC Cert | 09/18/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 224021940 | [Redacted] | [Redacted] |  | 34398211 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Commitment in file. Required updated title policy in the file. |  |  |  | Reviewer Comment (2025-09-23): Title commitment received with policy amount covering loan value.<br>Buyer Comment (2025-09-22): Supplemental | 09/23/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Cash-out - Other | D A B | N/A | N/A | No |
| 224021940 | [Redacted] | [Redacted] |  | 34398219 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-09-23): Secondary valuation received.<br>Buyer Comment (2025-09-20): CDA | 09/23/2025 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A B | N/A | N/A | No |
| 224021941 | [Redacted] | [Redacted] |  | 34401187 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing. |  |  |  | Reviewer Comment (2025-09-18): Received Corporate Resolution. Exception Cleared.<br>Buyer Comment (2025-09-17): Unanimous Consent & Resolution | 09/18/2025 |  |  | 1 C A |  | OR | Investment | Purchase | C A |  | N/A | No |
| 224021941 | [Redacted] | [Redacted] |  | 34401188 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing. |  |  |  | Reviewer Comment (2025-09-18): Received Articles of Organization/Formation. Exception Cleared.<br>Buyer Comment (2025-09-17): Articles of Organization | 09/18/2025 |  |  | 1 C A |  | OR | Investment | Purchase | C A |  | N/A | No |
| 224027274 | [Redacted] | [Redacted] |  | 34402893 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer tax fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing |  | 09/10/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224027313 | [Redacted] | [Redacted] |  | 34403196 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-16): Cleared. E-Sign doc provided<br>Buyer Comment (2025-09-16): E Consent | 09/16/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 224027334 | [Redacted] | [Redacted] |  | 34403533 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-22): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-18): CDA | 09/22/2025 |  |  | 1 D A |  | VA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| 224027570 | [Redacted] | [Redacted] |  | 34404346 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for all members of LLC must sign note and mortgage for LLC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-12): Client elects to waive with compensating factors. |  |  | 09/12/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224027571 | [Redacted] | [Redacted] |  | 34412820 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Homeowner's Dues. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Homeowner's dues were not disclosed on LE but disclosed as $[redacted]on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. |  |  |  | Reviewer Comment (2025-09-24): [redacted]received corrected PCCD and LOE<br>Buyer Comment (2025-09-23): PCCD | 09/24/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 224027576 | [Redacted] | [Redacted] |  | 34402624 |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | The property is listed for sale. LOX is require for property listed. |  |  |  | Reviewer Comment (2025-10-02): Received LOX for property listed. Exception cleared.<br>Buyer Comment (2025-09-30): LOX<br>Reviewer Comment (2025-09-25): [redacted]provided is lox for cash out refinance. File is missing lox as property was listed for sale within [redacted]months of closing. Exception remains.<br>Buyer Comment (2025-09-24): Please see [redacted]and business purpose certificate, borrower intends to keep the property, improve it, and use it for business purposes.<br>Reviewer Comment (2025-09-23): Per Appraisal report, property was listed for sale and cancelled on [redacted] which is within[redacted]months of closing. Letter of explanation is required. Exception remains.<br>Buyer Comment (2025-09-19): Please clarify, appraisal dated [redacted] does not reflect property currently listed. | 10/02/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224027595 | [Redacted] | [Redacted] |  | 34412339 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Provided Title Commitment is short of a policy coverage amount. Provide policy reflecting sufficient title policy coverage. |  |  |  | Reviewer Comment (2025-09-19): Title supplement received and verified. Exception cleared<br>Buyer Comment (2025-09-18): title commitment supplement | 09/19/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 224027690 | [Redacted] | [Redacted] |  | 34431602 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request: Exception for DTI over [redacted]% on a bank statement loan. Borrower meets the residual income requirement \*\* We cannot get VOR from borrowers prior landlord. we have from [redacted] verified. Borrower has not late payments this is a primary residence purchase at [redacted]% LTV so we meet the guideline to not obtain a VOR however he is a first time home buyer and we do not have full [redacted] month rent history so an exception is required per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-15): Preapproved exception |  |  | 09/15/2025 | 2 B |  | ME | Primary | Purchase | B A | Non QM | Non QM | No |
| 224027756 | [Redacted] | [Redacted] |  | 34412913 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Only [redacted] month bank statement provided. Require additional [redacted] month statement. |  |  |  | Reviewer Comment (2025-09-22): Cleared. Documentation to support the opening of the new account is provided.<br>Buyer Comment (2025-09-18): this account is brand new and a [redacted]month history would not have been available until post closing. | 09/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 224027756 | [Redacted] | [Redacted] |  | 34443608 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing for [redacted]. |  |  |  | Reviewer Comment (2025-09-22): Received OFAC for the member in the file. Exception Cleared.<br>Buyer Comment (2025-09-18): fraud report | 09/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 224034437 | [Redacted] | [Redacted] |  | 34426619 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than [redacted]months prior to the note date. |  | Appraiser dated document with incorrect year - date entered [redacted] however the appraisal would still be [redacted]days past the guideline requirement of [redacted] days prior to Note date of [redacted]. |  |  |  | Reviewer Comment (2025-10-10): Received Appraisal. Exception Cleared.<br>Buyer Comment (2025-10-08): Appraisal | 10/10/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A C |  | N/A | No |
| 224034437 | [Redacted] | [Redacted] |  | 34426650 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Appraiser dated document with incorrect year - date entered [redacted] however the appraisal would still be [redacted] days past the guideline requirement of [redacted]days prior to Note date of [redacted]. |  |  |  | Reviewer Comment (2025-10-10): Received Appraisal. Exception Cleared.<br>Buyer Comment (2025-10-08): Please see appraisal uploaded today | 10/10/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A C |  | N/A | No |
| 224034437 | [Redacted] | [Redacted] |  | 34426657 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Coverage is for $[redacted]which is insufficient. |  |  |  | Reviewer Comment (2025-09-30): Received hazard insurance policy with sufficient coverage. Exception Cleared.<br>Buyer Comment (2025-09-29): Hazard Insurance showing sufficient coverage w replacement cost. | 09/30/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A C |  | N/A | No |
| 224034437 | [Redacted] | [Redacted] |  | 34450815 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Leases used in DSCR on a purchase loan are not owned by the borrowing entity or guarantor. Provide documentation confirming the transfer. |  |  |  | Reviewer Comment (2025-10-08): Using market rents. Condition cleared.<br>Buyer Comment (2025-10-04): Please utilize market rents. | 10/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A C |  | N/A | No |
| 224034441 | [Redacted] | [Redacted] |  | 34448716 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing the HOA verification or supporting documentation for the property at [redacted] [redacted] for the additional property expenses of $[redacted]as shown on the application |  |  |  | Reviewer Comment (2025-09-18): HOA Verification document received and associated. Exception Cleared.<br>Buyer Comment (2025-09-17): HOA dues | 09/18/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| 224039023 | [Redacted] | [Redacted] |  | 34456371 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow a [redacted]% LTV exception. Max [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-15): Client elects to waive with compensating factors. |  |  | 09/15/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416757 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter missing in file as required by guideline. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared.<br>Buyer Comment (2025-09-18): CPA letter | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416849 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - P&L Statement Only | Ability-to-Repay ([redacted]): Unable to verify current employment status using reasonably reliable third-party records. | CPA Letter missing in file as required by guideline. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416850 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - P&L Statement Only | Ability-to-Repay ([redacted]): Unable to verify current employment status using reasonably reliable third-party records. | CPA Letter missing in file as required by guideline. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416851 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Number of Months P&L Requirement not met | Ability to Repay ([redacted]): The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | P&L statements only cover up to [redacted]months of the guideline required [redacted]months. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416852 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Number of Months P&L Requirement not met | Ability to Repay ([redacted]): The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | P&L statements only cover up to [redacted]months of the guideline required [redacted]months. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416853 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met | Ability to Repay ([redacted]): P&L Statement(s) used to qualify were not prepared by a third party. | P&L statements were not prepared by a thirdparty as required by guidelines. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416854 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met | Ability to Repay ([redacted]): P&L Statement(s) used to qualify were not prepared by a third party. | P&L statements were not prepared by a thirdparty as required by guidelines. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416855 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is missing CPA Letter required by guidelines, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416856 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan is missing CPA Letter required by guidelines, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416857 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | The loan is missing third party verification - CPA Letter required by guidelines, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039096 | [Redacted] | [Redacted] |  | 34416869 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to missing CPA letter as required by guidelines, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 B A C |  | OK | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 224039096 | [Redacted] | [Redacted] |  | 34416883 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan is missing third party verification - CPA Letter required by guidelines, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-18): Received CPA letter. Condition cleared. | 09/18/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 224039104 | [Redacted] | [Redacted] |  | 34427012 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted]-month Bank statement program with applicant that has [redacted]months of self-employment. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has verified disposable income of at least $[redacted]. | FICO is [redacted] vs the minimum of [redacted]<br>DTI is [redacted]% vs the max of [redacted]%<br>Over $[redacted] in residual income | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-09-15): Client elects to down grade and waive using compensating factors<br> DTI is [redacted]% vs the max of [redacted]%<br> Over $[redacted]in residual income<br> FICO is [redacted]vs the minimum of [redacted] |  |  | 09/15/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 224039104 | [Redacted] | [Redacted] |  | 34427014 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for deposit trend, deposits in most recent [redacted] months increased by over [redacted]%, they would not qualify without the most recent [redacted] months averaged in, explanation for increase in file. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has verified disposable income of at least $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | FICO is [redacted] vs the minimum of [redacted]<br>Over $[redacted] in residual income<br>DTI is [redacted]% vs the max of [redacted]% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-09-15): Client elects to down grade and waive using compensating factors<br> DTI is [redacted]% vs the max of [redacted]%<br> Over $[redacted]in residual income<br> FICO is [redacted]vs the minimum of [redacted] |  |  | 09/15/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 224039107 | [Redacted] | [Redacted] |  | 34426115 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-22): Document received.<br>Buyer Comment (2025-09-19): eConsent | 09/22/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C A | N/A | Non QM | No |
| 224039107 | [Redacted] | [Redacted] |  | 34426123 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Statement for REO property. |  |  |  | Reviewer Comment (2025-09-22): Document received.<br>Buyer Comment (2025-09-19): Final CD and FPL for purchase of primary | 09/22/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C A | N/A | Non QM | No |
| 224046890 | [Redacted] | [Redacted] |  | 34431316 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization document not provided. |  |  |  | Reviewer Comment (2025-09-25): Provided Articles of Organization of borrowing business entity. Exception cleared.<br>Buyer Comment (2025-09-24): Articles | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046890 | [Redacted] | [Redacted] |  | 34431318 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution not provided. |  |  |  | Reviewer Comment (2025-09-25): Provided Corporate Resolution signed by all the members of the borrowing business entity. Exception cleared.<br>Buyer Comment (2025-09-24): consent | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046890 | [Redacted] | [Redacted] |  | 34431319 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-09-25): Provided flood policy for subject property. Exception cleared.<br>Buyer Comment (2025-09-24): flood ins | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046890 | [Redacted] | [Redacted] |  | 34431324 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement not provided. |  |  |  | Reviewer Comment (2025-09-25): Received operating agreement of borrowing business entity. Exception cleared.<br>Buyer Comment (2025-09-24): Operating agreement | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046890 | [Redacted] | [Redacted] |  | 34476913 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | File is missing the EIN number and State ID number. |  |  |  | Reviewer Comment (2025-09-25): Provided Employer Identification Number (EIN) of borrowing business entity. Exception cleared.<br>Buyer Comment (2025-09-24): EIN | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046894 | [Redacted] | [Redacted] |  | 34429374 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or[redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Policy amount is not provided on Title Preliminary document. |  |  |  | Reviewer Comment (2025-09-26): Title policy received with coverage amount, exception cleared<br>Buyer Comment (2025-09-25): Email from title confirmation and title policy<br>Reviewer Comment (2025-09-22): The preliminary title report does not reflect an ALTA Loan Policy amount. Final Title Policy was not provided to verify sufficient title coverage was obtained, Exception remains.<br>Buyer Comment (2025-09-19): Can you be more descriptive of what exactly you are looking for here? | 09/26/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224046894 | [Redacted] | [Redacted] |  | 34429558 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Exception needed due to Section [redacted]:<br> Unacceptable Property Type (SFR with [redacted] ADUs and No Similar Comparable). Exception request for eligibility of subject property. The subject is a legally zoned [redacted]bd/[redacted] ba SFR with [redacted]ADUs (appraiser considers one a Jr ADU). The appraiser was able to provide two comparable with [redacted] ADU, but the appraiser confirmed no similar [redacted]ADU comparable were available; however, a supportive CDA is on file. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-18): Credit Exception: |  |  | 09/22/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224046901 | [Redacted] | [Redacted] |  | 34431207 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of organization/formation is missing in file. |  |  |  | Reviewer Comment (2025-09-25): Received Articles of Organization for borrowing entity. Exception cleared.<br>Buyer Comment (2025-09-23): Articles | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046901 | [Redacted] | [Redacted] |  | 34431208 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing in file. |  |  |  | Reviewer Comment (2025-09-25): Received executed operating agreement. Exception cleared.<br>Buyer Comment (2025-09-23): Operating agreement | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046901 | [Redacted] | [Redacted] |  | 34431209 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution is missing in file. |  |  |  | Reviewer Comment (2025-09-25): Received corporate resolution signed by all members. Exception cleared.<br>Buyer Comment (2025-09-23): resolution | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046901 | [Redacted] | [Redacted] |  | 34431212 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer identification number and state ID number are missing in file. |  |  |  | Reviewer Comment (2025-09-25): Received Employer Identification Number (EIN) for business entity. Exception cleared.<br>Buyer Comment (2025-09-23): EIN | 09/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224046927 | [Redacted] | [Redacted] |  | 34427150 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception request for Full doc program requires[redacted] years self employment, borrower has been self employed since[redacted]. Borrower is short on time in self employment by [redacted] months. Prior to this job, borrower spent a year at home caring for his young children | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-16): Preapproved exception |  |  | 09/16/2025 | 2 B |  | SC | Primary | Purchase | B A | Non QM | Non QM | No |
| 224046941 | [Redacted] | [Redacted] |  | 34431466 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Citizen Status not provided |  | Supporting document for non-permanent resident for borrower or co-borrower was not provided. |  |  |  | Reviewer Comment (2025-09-17): Cleared. Received ITIN documents.<br>Buyer Comment (2025-09-16): VOE<br>Buyer Comment (2025-09-16): Verification of Non-US Citizen Status | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 224046941 | [Redacted] | [Redacted] |  | 34431552 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Verification of employment is not within [redacted]business days from Note Date. |  |  |  | Reviewer Comment (2025-09-22): Received VVOE for co-borrower and associated, Exception Cleared<br>Buyer Comment (2025-09-19): Verification of employment For Co borrower within [redacted]business days from Note Date.<br>Reviewer Comment (2025-09-19): Provided VOE for borrower and internet search for coborrower. File is missing Verification of employment for coborrower within [redacted]business days from Note Date. Exception remains.<br>Buyer Comment (2025-09-18): VVOE for both borrowers | 09/22/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 224048107 | [Redacted] | [Redacted] |  | 34427821 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for FTHB purchasing investment property. Condition of Max [redacted]% LTV. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elected to waive exceptions with compensating factors. |  |  | 09/16/2025 | 2 B |  | MA | Investment | Purchase | B A | N/A | N/A | No |
| 224048107 | [Redacted] | [Redacted] |  | 34427823 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for Tradeline requirements not met. Condition of Max [redacted]% LTV. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elected to waive exceptions with compensating factors. |  |  | 09/16/2025 | 2 B |  | MA | Investment | Purchase | B A | N/A | N/A | No |
| 224048136 | [Redacted] | [Redacted] |  | 34476739 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter is provided however doesn't confirm withdrawals from account won't have negative impact please associate the CPA letter. |  |  |  | Reviewer Comment (2025-09-23): document received.<br>Buyer Comment (2025-09-22): CPA letter | 09/23/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 224048163 | [Redacted] | [Redacted] |  | 34447444 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-07): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-10-03): PCCD w Cure |  | 10/07/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224048163 | [Redacted] | [Redacted] |  | 34447503 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year[redacted] Underdisclosed - [redacted][redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [redacted] of [redacted]on Final Closing Disclosure provided on[redacted] are underdisclosed. | The final CD disclosed the Amount of Total Property Costs over Year [redacted] as $[redacted]on page [redacted]; however the annual taxes $[redacted] |  |  |  | Reviewer Comment (2025-10-06): [redacted]received Corrected CD, LOE & IEAD<br>Buyer Comment (2025-10-03): please see PCCD/LOX/[redacted]/[redacted]uploaded today to address<br>Reviewer Comment (2025-09-16): .<br>Reviewer Comment (2025-09-16): Property Costs Over Year [redacted]acceptable based on amounts on Page [redacted]per SFA TRID Grid. | 10/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 224048163 | [Redacted] | [Redacted] |  | 34447539 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved to allow cash out refinance with borrower not on title. Property awarded to borrower in divorce petition. Condition for [redacted] mortgage pay history. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elected to waive exceptions with compensating factors. |  |  | 09/16/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 224055190 | [Redacted] | [Redacted] |  | 34446296 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. |  |  |  | Reviewer Comment (2025-09-22): [redacted]received seller CD and as per seller CD and closing statement there are no seller paid fees.<br>Buyer Comment (2025-09-19): Email from title | 09/22/2025 |  |  | 1 C A |  | AL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 224055190 | [Redacted] | [Redacted] |  | 34446329 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted]due to Appraisal Fee. No valid COC provided, Specific credit of $[redacted]has been provided as cure at closing. |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224055190 | [Redacted] | [Redacted] |  | 34446330 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted]due to Transfer Tax. Specific credit of $[redacted]has been provided as cure at closing. |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224055190 | [Redacted] | [Redacted] |  | 34477641 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved to allow [redacted]% LTV on Rural Property. Guidelines provide for a max of [redacted]% LTV. Condition for Max LTV of [redacted]% and DTI Max of [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-16): Client elected to waive exceptions with compensating factors. |  |  | 09/16/2025 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224055741 | [Redacted] | [Redacted] |  | 34446128 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee in loan estimate is $[redacted]and closing disclosure reflects $[redacted]. No Valid change circumstance in file. |  |  |  | Reviewer Comment (2025-09-22): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-20): Lender credit given on Final CD please clear | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 224055741 | [Redacted] | [Redacted] |  | 34517248 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-22): Sufficient Cure Provided At Closing |  | 09/22/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224058845 | [Redacted] | [Redacted] |  | 34471894 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax cert not provided for investment property. |  |  |  | Reviewer Comment (2025-09-22): Insurance, Tax certificate and HOA document received and verified. Exception cleared<br>Buyer Comment (2025-09-18): REO | 09/22/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | C A | Non QM | Non QM | No |
| 224058845 | [Redacted] | [Redacted] |  | 34471936 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing |  |  |  | Reviewer Comment (2025-09-30): [redacted]received attestation to remove incomplete CD dated [redacted](Doc ID [redacted]) not provided to borrower.<br>Buyer Comment (2025-09-29): Attestation letter<br>Reviewer Comment (2025-09-26): [redacted]received rebuttal, however, DOC ID [redacted]contains incomplete CD dated [redacted]has [redacted]% interest rate and blank APR. If the CD were not provided to the borrower, please provide Letter of Attestation indicating the DOC ID [redacted] was never provided to the borrower and [redacted]will review for re-testing.<br>Buyer Comment (2025-09-24): signed LE from[redacted] shows APR and interest rate on Cd page[redacted]<br>Reviewer Comment (2025-09-22): [redacted]received CD dated [redacted]which is already in file. However, DOC ID [redacted] contains incomplete CD dated [redacted]has [redacted]% interest rate and blank APR. If the CD were not provided to the borrower, Please provide Letter of Attestation or comment on the exception indicating the DOC ID were never provided to the borrower and [redacted]will review for re-testing.<br>Buyer Comment (2025-09-19): Final CD signed<br>Reviewer Comment (2025-09-19): [redacted]DOC ID [redacted]contains incomplete CD dated[redacted]. If the CD were not provided to the borrower, Please provide Letter of Attestation or comment on the exception indicating the DOC ID were never provided to the borrower and [redacted]will review for re-testing.<br>Buyer Comment (2025-09-18): Closing Disclosure | 09/30/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 224065020 | [Redacted] | [Redacted] |  | 34479568 |  |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | [redacted] Years removed from Foreclosure dated [redacted]. Max LTV allowed is [redacted]% and Max loan amount allowed is $[redacted]MM for [redacted] Years Removed from Credit Event. Loan LTV and Loan amount exceeds the max allowable value for [redacted] Years Removed from Credit Event. |  |  |  | Reviewer Comment (2025-09-24): Received required documentation. Condition cleared.<br>Buyer Comment (2025-09-20): Loan was not foreclosed it was just a notice and borrower continued paying it | 09/24/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224065020 | [Redacted] | [Redacted] |  | 34479582 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on [redacted] contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Please provide evidence that escrow holdback has been released. |  |  |  | Reviewer Comment (2025-10-03): received evidence holdback was released.<br>Buyer Comment (2025-10-01): Escrow<br>Reviewer Comment (2025-09-24): Reviewed all trailing documentation, however no evidence the holdback was released was found.<br>Buyer Comment (2025-09-20): FSS<br>Buyer Comment (2025-09-20): Escrow holdback agreement | 10/03/2025 |  |  | 1 D A |  | GA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224065021 | [Redacted] | [Redacted] |  | 34477782 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non-warrantable condo due to pre-sales which was approved to "Max [redacted]% LTV, Subject to [redacted] [redacted] per rate sheet • Subject to meeting all other [redacted] guideline requirements. Unable to waive/downgrade due to missing Lender Exception Form and the email approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-26): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-24): Exception form |  |  | 09/26/2025 | 2 C B |  | UT | Investment | Purchase | C B A |  | N/A | No |
| 224065274 | [Redacted] | [Redacted] |  | 34480365 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender counter-offered exception to permit a [redacted]% LTV - cash out and to allow use of appraised value in lieu of purchase price.<br> Approved for [redacted]% LTV/CLTV.<br>Unable to downgrade and waive due to missing affidavit acknowledging post closing occupancy inspection. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-24): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-22): Post Close LOX |  |  | 09/24/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224065274 | [Redacted] | [Redacted] |  | 34480444 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lender approved exception for property not currently rented. Unable to downgrade and waive due to missing affidavit acknowledging post closing occupancy inspection. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-24): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-22): see uploaded |  |  | 09/24/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224065318 | [Redacted] | [Redacted] |  | 34480224 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-09-22): Received Title Commitment with the correct coverage amount in the file. Exception Cleared.<br>Buyer Comment (2025-09-18): title commitment | 09/22/2025 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224065318 | [Redacted] | [Redacted] |  | 34480235 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request at origination is provided for borrower renting primary and no landlord history and additionally subject has not been rented for [redacted] months. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-09-18): Client elects to waive with compensating factors. |  |  | 09/18/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224066185 | [Redacted] | [Redacted] |  | 34480219 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Commitment in file. |  |  |  | Reviewer Comment (2025-09-23): Received title commitment with policy Amount of $[redacted]. Exception cleared.<br>Buyer Comment (2025-09-22): corrected title commitment | 09/23/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224066513 | [Redacted] | [Redacted] |  | 34480963 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Endorsement Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-17): Sufficient Cure Provided At Closing |  | 09/17/2025 |  | 1 A |  | OH | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224066513 | [Redacted] | [Redacted] |  | 34480964 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-17): Sufficient Cure Provided At Closing |  | 09/17/2025 |  | 1 A |  | OH | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224066620 | [Redacted] | [Redacted] |  | 34487392 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved to allow Non-Warrantable Condo due to outstanding critical repairs and non-minor litigation. Condition for Max LTV of [redacted]% | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-19): Client elects to waive with compensating factors. |  |  | 09/19/2025 | 2 B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224066620 | [Redacted] | [Redacted] |  | 34487393 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-25): Proof of appraisal delivery received, exception cleared. | 09/25/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224066620 | [Redacted] | [Redacted] |  | 34487394 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-25): Proof of appraisal delivery received, exception cleared.<br>Buyer Comment (2025-09-23): Appraisal proof of delivery | 09/25/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224066620 | [Redacted] | [Redacted] |  | 34487399 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower for [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted] |  |  |  | Reviewer Comment (2025-09-26): [redacted]received valid rate lock document<br>Buyer Comment (2025-09-25): no cure needed<br>It was due to an APR and a pricing exception change and there is a valid COC and lock to support it | 09/26/2025 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224066620 | [Redacted] | [Redacted] |  | 34513027 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and Approved for [redacted]DTI. Condition for Max [redacted]% DTI, Max [redacted]% LTV/CLTV. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-19): Client elects to waive with compensating factors. |  |  | 09/19/2025 | 2 B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224083285 | [Redacted] | [Redacted] |  | 34491672 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to most recent year signed and dated personal tax return is missing in loan file. Also lease agreement missing for investment property [redacted]. |  |  |  | Reviewer Comment (2025-10-13): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-09-26): Received tax return extension. Please provide lease agreement for investment property [redacted].<br>Buyer Comment (2025-09-26): extensions<br>Reviewer Comment (2025-09-25): Require most recent year ([redacted]) signed and dated personal and business tax returns to clear the exception and Require documents for reo property address[redacted]. Signed and dated Lease agreement, form [redacted] and schedule E with Property address on it. Available schedule E doesn't reflect property address on it. Exception remains. Exception remains.<br>Buyer Comment (2025-09-23): signed tax returns | 10/13/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 224083285 | [Redacted] | [Redacted] |  | 34491674 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to most recent year signed and dated personal tax return is missing in loan file. Also lease agreement missing for investment property [redacted]. |  |  |  | Reviewer Comment (2025-10-13): Received required documentation. Condition cleared. | 10/13/2025 |  |  | 1 A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224083285 | [Redacted] | [Redacted] |  | 34491675 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent year signed and dated personal tax returns missing in loan file. |  |  |  | Reviewer Comment (2025-09-26): Cleared. Received tax return and extensions.<br>Reviewer Comment (2025-09-25): Require most recent year ([redacted]) signed and dated personal and business tax returns to clear the exception. Exception remains.<br>Buyer Comment (2025-09-23): see uploaded | 09/26/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224083285 | [Redacted] | [Redacted] |  | 34491676 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided At Closing |  | 09/18/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224083285 | [Redacted] | [Redacted] |  | 34514182 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for no record for [redacted] tax returns. Please see CPA email in file returns were rejected twice , therefore an paper copy was email in. IRS had extended the due date for people impacted by the [redacted] hurricanes to [redacted], which is why the were were filled in[redacted]. Lender exception with disposition Max [redacted]% LTV | Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Actual Reserves: $[redacted]<br> Required Reserves: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-19): Client elects to waive with compensating factors. |  |  | 09/19/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224083285 | [Redacted] | [Redacted] |  | 34712411 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO Schedule E Method Test | Ability to Repay ([redacted]): Unable to verify Real Estate Owned income (Schedule E Method). File does not contain most recent year Tax Transcripts, signed and dated [redacted]'s or Schedule E. |  |  |  |  | Reviewer Comment (2025-10-13): Received required documentation. Condition cleared. | 10/13/2025 |  |  | 1 A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224083352 | [Redacted] | [Redacted] |  | 34513349 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Citizen Status not provided |  | File is missing borrower's current Visa. Must meet lender guides. |  |  |  | Reviewer Comment (2025-09-25): Employment authorization received, exception cleared.<br>Buyer Comment (2025-09-23): Bank assets for account #[redacted]<br>Buyer Comment (2025-09-23): XXXX ID DOCS | 09/25/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A | N/A | N/A | No |
| 224083352 | [Redacted] | [Redacted] |  | 34513396 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | File is missing [redacted] consecutive months statements for this account. |  |  |  | Reviewer Comment (2025-09-25): [redacted] consecutive months statements for this account received, exception cleared.<br>Buyer Comment (2025-09-24): XXXX assets #[redacted] | 09/25/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A | N/A | N/A | No |
| 224083931 | [Redacted] | [Redacted] |  | 34492087 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [redacted] Initial Rate Lock is missing in the file. |  |  |  | Reviewer Comment (2025-09-24): Received Rate Lock. Exception Cleared.<br>Buyer Comment (2025-09-22): Initial lock | 09/24/2025 |  |  | 1 C A D |  | OH | Investment | Purchase | D A |  | N/A | No |
| 224083931 | [Redacted] | [Redacted] |  | 34492138 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Complete [redacted]-month bank statements are required in the file. |  |  |  | Reviewer Comment (2025-09-26): Provided bank statement from [redacted] to [redacted]. Exception cleared.<br>Buyer Comment (2025-09-25): [redacted] | 09/26/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 224083931 | [Redacted] | [Redacted] |  | 34492145 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Complete [redacted]-month bank statements are required in the file. |  |  |  | Reviewer Comment (2025-10-02): Account [redacted]removed in the revised [redacted], exception cleared.<br>Buyer Comment (2025-10-01): Please see revised docs | 10/02/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 224083931 | [Redacted] | [Redacted] |  | 34492195 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-09-24): Received Sales Contract. Exception Cleared.<br>Buyer Comment (2025-09-22): Sales contract | 09/24/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 224089532 | [Redacted] | [Redacted] |  | 34497252 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception Loan Terms- other- Requested exception for cash out refinance for a land contract. Per guidelines-land contract refinances need to be rate/term refinance. Document reserve requirement as within [redacted] guidelines. The transaction must meet the requirements as full documentation, Cash out refinance as within [redacted]guidelines. All other [redacted]guideline requirements to be met. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-22): Client elected to waive exceptions with compensating factors. |  |  | 09/22/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 224101460 | [Redacted] | [Redacted] |  | 34499028 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan discount points amount of $[redacted]as per the closing disclosure exceeded the tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-25): [redacted]received CD and COC dated[redacted] and [redacted]<br>Buyer Comment (2025-09-24): CD & COC's<br>Buyer Comment (2025-09-24): see uploaded | 09/25/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224101460 | [Redacted] | [Redacted] |  | 34499029 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-25): [redacted]received CD and COC dated [redacted]and [redacted]<br>Buyer Comment (2025-09-24): see uploaded<br>Buyer Comment (2025-09-24): CD & COC's | 09/25/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224101460 | [Redacted] | [Redacted] |  | 34499031 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-03): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-02): PCCD, LOX, Label and check<br>Reviewer Comment (2025-09-30): [redacted]received corrected PCCD, LOE, copy of refund check and proof of mailing for $[redacted]however, the required cure for [redacted]% tolerance is $[redacted]. Remaining cure of $[redacted]is required to cure this exception.<br>Buyer Comment (2025-09-29): PCCD, LOX, Label and Check |  | 10/03/2025 |  | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224101460 | [Redacted] | [Redacted] |  | 34499035 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-26): E-Sign Consent Agreement received and verified. Exception cleared<br>Buyer Comment (2025-09-24): audit trail | 09/26/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 224101462 | [Redacted] | [Redacted] |  | 34499427 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-09-26): Hazard Insurance Policy document received and verified. Exception cleared<br>Buyer Comment (2025-09-25): HOI | 09/26/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| 224101462 | [Redacted] | [Redacted] |  | 34499444 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224101462 | [Redacted] | [Redacted] |  | 34499445 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 224101464 | [Redacted] | [Redacted] |  | 34498196 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-09-26): Email correspondence from insurance provider in file confirming insured has an endorsement HO-[redacted]that provides [redacted]% of replace cost of coverage A. Exception cleared.<br>Buyer Comment (2025-09-25): PC Cert | 09/26/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 224101464 | [Redacted] | [Redacted] |  | 34499076 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Received Final closing disclosure which is Incomplete with Page [redacted] missing. |  |  |  | Reviewer Comment (2025-09-26): [redacted]received complete copy of final CD.<br>Buyer Comment (2025-09-25): CD | 09/26/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) A | Non QM | Non QM | Yes |
| 224101464 | [Redacted] | [Redacted] |  | 34499116 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-26): [redacted]received valid COC document<br>Buyer Comment (2025-09-25): COC | 09/26/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 224118154 | [Redacted] | [Redacted] |  | 34516658 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-09-26): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-09-25): Business cert | 09/26/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224136454 | [Redacted] | [Redacted] |  | 34546378 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was last disclosed as $[redacted]on LE dated [redacted] but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. |  |  |  | Reviewer Comment (2025-10-09): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-08): PCCD |  | 10/09/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224136454 | [Redacted] | [Redacted] |  | 34547830 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow [redacted] "short" rental payments of $[redacted]vs. $[redacted](per lease) during [redacted]Housing payment history for the residence borrower rented prior to purchasing subject property in [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Lender exception approved with comp factors noted. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-26): Lender exception approved with comp factors. |  |  | 09/26/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 224140037 | [Redacted] | [Redacted] |  | 34598972 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The security loan agreement for the co-op is missing from the file. |  |  |  | Reviewer Comment (2025-10-06): Co-op security agreement received, exception cleared.<br>Buyer Comment (2025-10-02): coop<br>Reviewer Comment (2025-10-02): The Co-Op Loan Security Agreement is not located in the file.<br>Buyer Comment (2025-09-30): this is a co-op so there is no mortgage | 10/06/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| 224144059 | [Redacted] | [Redacted] |  | 34576749 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to accept private VOR from landlord. Guidelines require lease and proof of [redacted] payments if private landlord. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-29): Preapproved exception |  |  | 09/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 224144059 | [Redacted] | [Redacted] |  | 34583348 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use newly executed leases for residential units [redacted] with lease beginning date of [redacted] to qualify without verification of receipt of [redacted]st months rent and security deposit. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-29): Preapproved exception |  |  | 09/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 224159579 | [Redacted] | [Redacted] |  | 34612550 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use [redacted] accounts [redacted] to qualify. These accounts are not on the acceptable bank list for foreign assets. \*\*\*Unable to waive. The lender exception approval requires a miniumum [redacted] year PPP however the prepayment addendum reflects [redacted] months.\*\*\* | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | The DSCR of [redacted]. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-16): Client elects to waive and downgrade with comp factors.<br>Buyer Comment (2025-10-15): Updated Exception<br>Buyer Comment (2025-10-15): Exception Approved for [redacted]year PP<br>Reviewer Comment (2025-10-15): Lender exception Disposition Comments required a [redacted] year PPP. Exception remains.<br>Buyer Comment (2025-10-14): Updated lock to match how it was signed at closing. |  |  | 10/16/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 224159579 | [Redacted] | [Redacted] |  | 34612559 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use [redacted]% of the assets previously held in business account that the customer is less than [redacted]% owner. \*\*\*Unable to waive. The lender exception approval requires a miniumum [redacted] year PPP however the prepayment addendum reflects [redacted]months.\*\*\* | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | The DSCR of [redacted]. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-16): Client elects to waive and downgrade with comp factors.<br>Buyer Comment (2025-10-16): Please see updated exception uploaded yesterday.<br>Reviewer Comment (2025-10-15): Lender exception Disposition Comments required a [redacted]year PPP. Exception remains.<br>Buyer Comment (2025-10-14): Please see updated lock provided today. |  |  | 10/16/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 224161543 | [Redacted] | [Redacted] |  | 34605342 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for Use of purchase price owning less than [redacted] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-02): Client elects to waive with compensating factors. |  |  | 10/02/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224161543 | [Redacted] | [Redacted] |  | 34631014 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for All members of [redacted]need to sign for [redacted]. Borrowers provided owns [redacted]% of [redacted]and the [redacted]% member does not want to sign and is traveling a lot. Approval required for the [redacted] borrowers to sign for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-02): Client elects to waive with compensating factors. |  |  | 10/02/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224162486 | [Redacted] | [Redacted] |  | 34605100 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-10-07): Received final executed HUD. Exception cleared.<br>Buyer Comment (2025-10-03): ALTA | 10/07/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 224162486 | [Redacted] | [Redacted] |  | 34612993 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for non-warrantable condo due to excessive single entity ownership is approved. Max [redacted]% LTV and [redacted]DSCR required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-02): Client elects to waive with compensating factors. |  |  | 10/02/2025 | 2 B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 224162486 | [Redacted] | [Redacted] |  | 34632578 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception required for DSCR is under the minimum required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-02): Client elects to waive with compensating factors. |  |  | 10/02/2025 | 2 B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 224162486 | [Redacted] | [Redacted] |  | 34690720 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Data discrepancy - DSCR |  |  |  | Reviewer Comment (2025-10-10): Cleared. Received letter of explanation regarding increase in rent which is acceptable per guidelines.<br>Buyer Comment (2025-10-09): Letter of Explanation | 10/10/2025 |  |  | 1 A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 224190198 | [Redacted] | [Redacted] |  | 34631996 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy coverage is less than original loan amount. |  |  |  | Reviewer Comment (2025-10-07): Received title commitment with sufficient coverage. Exception cleared.<br>Buyer Comment (2025-10-03): title commitment | 10/07/2025 |  |  | 1 B A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 224190198 | [Redacted] | [Redacted] |  | 34632003 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in file. |  |  |  | Reviewer Comment (2025-10-09): Received Certificate of good standing in the file. Exception Cleared.<br>Buyer Comment (2025-10-08): updated COGS<br>Reviewer Comment (2025-10-07): Received CoGS is more than [redacted]days from the Note date. Required Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted]days of the note date. Exception Remains.<br>Buyer Comment (2025-10-03): COGS | 10/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |

---

## Exhibit 99.1

[Cross 2025-H8 Mortgage Trust ABS-15G](cross-abs15g.htm)

**Exhibit 99.1 - Schedule 4**

![](situs-logo.jpg)

---

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/23/2025 9:29:04 AM** | **Run Date - 10/23/2025 9:29:04 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 222952816 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223312311 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223312377 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 223368071 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.610% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| 223377213 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223393773 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223464737 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223479684 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223479727 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| 223493792 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 223512426 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 223518897 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 223538274 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 223539254 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223620571 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223620801 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223620868 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223620870 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223622130 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 223623141 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223623148 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223623172 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223626350 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223637133 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223663040 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 223694961 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 223708745 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 223712556 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 223713787 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 223717290 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 223717392 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223718775 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223718777 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223718976 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223722502 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 223725613 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 223726558 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 223727559 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 223728852 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223729054 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| 223729092 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| 223729098 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223732242 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 223733595 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 223733855 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 223734971 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223742911 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.10 |
| 223743179 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| 223743195 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223743886 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.750% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223745500 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223759143 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 223759425 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223759443 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223759863 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223764521 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223764523 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223764809 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223764903 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223768579 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 223770002 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| 223770015 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -18.070% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223770110 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 223774973 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| 223778619 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.80 |
| 223778850 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223782833 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 223782904 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223785111 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223785433 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| 223789377 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223789627 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 223789755 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 223789762 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 223790368 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223791316 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| 223791324 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223791657 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223791702 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223791703 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223791712 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223791989 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 223792078 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.10 |
| 223795372 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223795373 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 223795403 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| 223795421 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 223795439 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| 223795455 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 223795466 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 223795468 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223795569 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223795621 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223796804 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223796822 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 223796824 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 8.790% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| 223796849 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223797030 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| 223797094 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223797100 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223797107 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223797121 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 223807725 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 223807726 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223808288 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223810778 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 223810779 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 223810782 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223811000 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223811018 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223811260 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 223811270 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223811277 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.00 |
| 223811659 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 223813650 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.20 |
| 223813664 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.910% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 223813673 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223813674 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223813707 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223813879 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.080% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 223813880 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813899 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 223813905 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.950% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| 223813906 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223813910 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 223813945 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223816680 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223830665 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223836737 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223836756 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 223837755 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223837758 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 223837811 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| 223851635 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.560% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 223852127 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| 223852221 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223852532 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223852533 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 223854844 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 223857405 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 223857489 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 223858732 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223858760 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 223858763 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| 223858793 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 223858798 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223858812 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 223859019 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223859022 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 223859023 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223859028 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.60 |
| 223859029 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223859096 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223861710 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223862285 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223862288 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 223862290 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 |
| 223862862 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 223862870 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223871887 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| 223871891 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| 223871893 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223871894 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 223872641 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223872660 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223872661 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 223872663 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223872728 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223872737 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.140% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -14.490% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 223872738 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223872749 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 223873960 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223873963 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223874313 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223874674 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 223877134 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223877135 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.50 |
| 223877140 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223877171 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 223877172 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223877175 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 223877179 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 223877256 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223877478 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| 223877479 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223877741 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk-Top Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223877779 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223877786 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 223878007 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| 223878012 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | No |  |  |
| 223878016 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| 223878017 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| 223878046 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223878048 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 223878049 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223878055 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223878065 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223878117 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.130% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223878310 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223878314 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.100% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.10 |
| 223878316 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223878317 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 223879346 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223881307 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 223881310 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 223881311 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223881435 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 223881437 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 223881441 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223881455 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.280% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| 223881462 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223881464 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223881492 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223881499 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223881521 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223881659 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 223881943 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223881944 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 223881952 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223881978 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223881979 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 223882152 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223882156 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 223882250 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223883615 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 223883674 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| 223883700 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| 223887683 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 223887719 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 3.640% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223887904 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223887905 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223887923 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| 223887925 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223887927 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 223887928 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223887931 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223887939 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.080% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.20 |
| 223887941 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223888345 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.50 |
| 223888346 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 223888348 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223888511 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 223888512 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223888520 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| 223888522 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 223888536 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223888671 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223888804 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk-Top Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223888805 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223889120 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223889857 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223891691 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| 223891707 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223891708 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 223891723 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223891724 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223891725 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 223891729 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223891733 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223891801 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223891827 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223891978 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223892321 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.70 |
| 223892477 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223900197 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223900247 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223900249 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 |
| 223900252 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.080% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 |
| 223900260 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223900313 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223900319 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| 223900364 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.380% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223900382 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| 223900403 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223900406 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223900423 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223900518 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 223900859 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.520% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223900861 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 223900863 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 223900864 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| 223900866 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 223900867 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| 223900874 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 223900878 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223900945 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223900947 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 223900951 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223900966 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223900985 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223901428 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 223901994 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223901999 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223902090 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223903458 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.20 |
| 223903460 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223903462 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223903546 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 223903549 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.90 |
| 223903550 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.280% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 999.00 |
| 223903551 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223903552 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 223903686 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 223903687 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 223903693 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 223903718 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223903890 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223903891 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223903898 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223903899 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223903900 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| 223903905 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 223903906 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223903913 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223903921 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 223903924 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223903928 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223904145 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223904149 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223910254 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 223910601 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| 223910630 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 223910749 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 223911924 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.80 |
| 223913221 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223913227 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223913229 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223913231 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223913234 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223913235 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 223913289 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223913303 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223913321 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223913667 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.50 |
| 223913668 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223913671 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223913707 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.020% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 5.00 |
| 223913716 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.290% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223913722 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.90 |
| 223913822 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223913845 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223914606 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223914617 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223915001 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| 223915382 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.20 |
| 223915383 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 223915384 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223915402 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 223915406 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223915417 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223915486 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223915492 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.390% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 223915495 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 223915526 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223915529 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223915533 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.90 |
| 223915540 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223915543 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223915545 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 223915546 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.750% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223915549 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
| 223915650 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223915709 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223915785 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223915787 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 223915813 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| 223915814 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 223915820 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 223915821 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223915823 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 223915833 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 223915834 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223915869 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223915950 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223915953 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223915954 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 |
| 223915958 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 223915959 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| 223915961 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 223915964 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223915969 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 223915982 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223915989 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.70 |
| 223915991 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223916062 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223916082 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223919371 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 223919434 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| 223921972 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| 223922199 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 |
| 223922201 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223922267 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| 223922275 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.00 |
| 223922276 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223922307 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 3.40 |
| 223922419 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
| 223922428 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223922430 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| 223922682 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 223922683 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223922716 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| 223922723 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223922725 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223922726 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223922728 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| 223922731 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 223922732 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223922733 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223922737 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223922738 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 223922740 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.70 |
| 223922741 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223922742 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 223922745 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223922787 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 43.190% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223922792 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223922814 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223922832 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.40 |
| 223922837 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.70 |
| 223922848 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| 223922849 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| 223922881 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 223923956 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223923998 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223924678 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223925684 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223925685 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 223925707 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| 223925712 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223925784 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223925789 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223925790 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223926402 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| 223926403 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.420% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| 223926404 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 223926413 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.420% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.90 |
| 223926543 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223926556 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223926569 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223928457 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| 223928461 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 109.270% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| 223928465 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 223928478 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 1.320% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223928480 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 223930289 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 223932039 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223932041 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223932042 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.940% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223932048 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 20.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223932049 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223932063 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| 223932065 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223932067 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223932071 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223932072 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.20 |
| 223932078 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 223932079 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223932081 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
| 223932091 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223932092 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223932097 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223932098 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223932099 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| 223932102 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 223932731 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223933085 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223933165 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223933933 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| 223934005 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223934011 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 223934013 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223934587 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 223934592 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223934603 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk-Top Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| 223934604 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223934657 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.380% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 223934659 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223934661 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 223934664 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 223934668 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 223934691 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| 223934692 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 223934695 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 223934697 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| 223934698 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223934700 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
| 223934701 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223934703 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223934704 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 223934705 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 223934706 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223934707 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223934708 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 3.590% |  |  |  | Appraisal |  |  |  |  |  |  | 3.590% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 223934818 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223934914 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223934925 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 223934944 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223934949 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 223934995 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.30 |
| 223935000 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 223935016 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.170% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223935017 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 223935021 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223935023 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| 223935024 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223935029 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.70 |
| 223935031 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223935076 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223935249 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 223938848 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 |
| 223938919 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 223938946 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223938950 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223939017 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 223939653 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223939657 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| 223939707 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223939774 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223939814 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.380% |  |  | Desk-Top Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223940035 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223940970 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223940971 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223940981 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| 223941043 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223941044 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223941060 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 223941062 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 |
| 223941063 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 223941066 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223941068 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223941072 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223941110 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223941111 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223941120 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.20 |
| 223941428 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223941443 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 223941512 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223941519 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 223941593 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223941725 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 | 1.20 |
| 223942169 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223942317 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 223942435 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.220% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 223942440 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223942459 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223942462 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223942489 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223943207 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223943534 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223943536 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.50 |
| 223943544 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 |
| 223943548 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223944993 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 223945239 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 223945240 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223945241 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.80 |
| 223945493 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223945494 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223945521 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223945523 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223945526 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 223945527 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 223945531 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.980% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 223945532 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -16.470% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| 223945544 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| 223945545 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223945546 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 223945548 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223945549 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| 223945580 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 223945595 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223945608 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 223945805 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 |
| 223945812 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223945819 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223945821 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223946357 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223946359 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223946362 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 223946393 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.930% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 223946567 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223946683 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223946696 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223947125 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223947127 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223947362 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223947366 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| 223947368 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 223947400 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223947411 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| 223947454 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| 223947465 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.720% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| 223949569 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| 223949606 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223949607 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 223949611 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223949612 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 223949614 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 223949617 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223949620 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| 223949621 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223949635 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223949637 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223949639 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223949640 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 223949642 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223949644 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223949646 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223949647 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223949648 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| 223949649 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223949686 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223949726 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223949734 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 223949741 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223949743 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223949745 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 223949912 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223950032 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223950140 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 223950195 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223950977 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223951044 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223951083 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| 223951084 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 223951109 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 76.450% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.20 |
| 223951744 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 223952240 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 223952243 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 223953017 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223953018 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223953027 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.50 |
| 223953036 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 223953113 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 |
| 223953180 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223953190 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 223953532 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223953647 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 223953655 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223953657 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 |
| 223953672 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 223953673 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223953679 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223953682 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223953684 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| 223953685 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223953686 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 223953841 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223953842 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223954085 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223954100 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223954515 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223954516 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223954535 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.960% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 223955519 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223955521 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223955522 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 223955526 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223955527 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223955529 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223955530 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223955531 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 223955532 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 223955533 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223955535 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.400% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| 223955536 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223955538 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223955539 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223956065 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223956072 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -27.960% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| 223957100 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223957101 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223958130 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223958131 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223958134 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223958140 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 223958143 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 223958151 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223958266 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223958302 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223958313 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223958314 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223958318 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| 223958320 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 223958321 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223958327 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223958507 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| 223958515 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| 223958722 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.150% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 223961847 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 223961848 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223961892 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223961894 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223961897 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.70 |
| 223962527 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223962528 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223962532 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223962533 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223962534 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| 223962686 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223962687 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 223962726 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223962754 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223963486 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223963524 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223963569 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 223963578 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223963581 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223963587 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 223963589 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 223963591 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223963623 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 223963629 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223963632 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223963633 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223963644 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| 223964673 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 |
| 223964674 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223971959 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 223971969 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 223971974 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223971978 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.90 |
| 223971979 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 223971980 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223971981 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223971996 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| 223972818 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223972826 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |
| 223973599 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223973605 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.500% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| 223973606 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223973609 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223973951 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 223973952 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 223973954 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223974017 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223974020 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223974024 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 223974025 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 223974026 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 223974028 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 223974729 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 223974736 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223975453 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223975456 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223975458 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 223975586 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223975593 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 223976945 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 223977275 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| 223977276 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223977283 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| 223977286 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223977288 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977292 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 223977294 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977299 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977302 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977313 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977314 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223977334 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 223977336 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977339 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223977341 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223977342 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977861 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 223977863 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223977865 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 223977867 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223978345 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223978347 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.890% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 999.00 |
| 223978349 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223978887 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 223978888 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223978977 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223978981 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223978993 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223979106 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223979113 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| 223979140 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223979143 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223979160 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223979162 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223979440 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223979726 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 223979728 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223979730 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 223980100 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.70 |
| 223980101 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223980174 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 223980183 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 223980380 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223981454 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223982589 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223982590 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.370% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223982591 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223982595 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223982598 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk-Top Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223982614 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223982719 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223982724 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 223982728 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223982729 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 223982754 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223982908 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223983047 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 223983048 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 223983049 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.890% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 223983055 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223983069 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223986866 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -14.890% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223986869 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| 223987375 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223987414 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 223987419 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223987424 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 223987492 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223987494 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223987623 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 223987626 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223987627 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 223987629 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223987630 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 223987631 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223987632 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 55.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223988812 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223988813 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223989351 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223992824 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223992836 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 223992842 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223992852 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223992854 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 223992855 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223992859 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 223992860 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 223992861 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 223992862 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223992863 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 223992867 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223992874 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223992960 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223992963 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
| 223992975 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223993090 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223993092 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 223993143 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223993164 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| 223993242 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223993411 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223993481 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 223993488 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 223993491 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223993493 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 223993495 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223993504 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 |
| 223993509 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223993511 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 223993526 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223994058 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| 223994060 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 223994063 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223994064 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223994075 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223994093 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 223994101 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| 223994136 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.570% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| 223994139 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223994169 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223994281 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.570% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 223995065 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| 223995230 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 223995231 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| 223995233 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.840% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| 223995234 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| 223995236 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 223995237 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223995239 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 223995240 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223995242 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 223995246 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 223995249 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223995253 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223995429 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223995431 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| 223995527 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 223995533 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223995611 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 223995619 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| 223995623 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223995659 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.470% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223995813 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223996885 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223997088 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 223998155 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223998167 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223999945 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| 223999951 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 223999960 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223999964 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 224000004 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 224000015 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224000018 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224000021 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224000032 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| 224000033 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 224000037 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 224000038 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224000042 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 224000043 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224000045 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 224000052 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224000300 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 224003663 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 |
| 224004153 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224004312 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224004318 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 224004805 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 9.730% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 224012513 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 224012537 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| 224013510 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224013516 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224013519 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| 224013526 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224013531 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 224013533 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224013536 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224014158 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 224014247 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224015070 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.00 |
| 224015705 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| 224015893 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| 224020234 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224020236 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224020239 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 224020245 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 224020319 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 224020320 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| 224020325 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 224021371 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| 224021827 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 224021929 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224021934 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224021940 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224021941 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 224027274 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 224027313 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 224027334 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224027570 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 224027571 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 224027576 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 224027595 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 224027596 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224027690 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 224027756 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 224033909 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224034437 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224034441 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 224039023 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224039087 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224039096 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 224039104 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 224039107 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224039499 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224046870 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224046890 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 224046894 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.00 |
| 224046901 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 224046927 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224046941 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 224048107 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224048136 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 224048163 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224048215 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224055190 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 224055741 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 |
| 224058137 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.760% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224058845 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224063740 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224065014 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224065020 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 224065021 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224065274 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 224065302 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224065318 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.90 |
| 224066185 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 224066513 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224066620 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224083285 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 224083352 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224083931 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224089532 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| 224101460 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| 224101462 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 224101464 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224101465 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224113475 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 224115602 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 224118154 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| 224133239 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 224136454 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 224136456 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 224138532 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224140037 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224144059 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224159579 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 224161543 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224162486 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224190198 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224197179 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 224213519 | [Redacted] | [Redacted] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |

---

## Exhibit 99.1

[Cross 2025-H8 Mortgage Trust ABS-15G](cross-abs15g.htm)

**Exhibit 99.1 - Schedule 5**

![](situs-logo.jpg)

**Supplemental Data** **<br> Run Date - 10/23/2025 9:29:05 AM**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| 222952816 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2395.00 | $3136.75 |  | 9.464% | $813.63 | $813.63 | 9.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8424.50 | 1 | XXXX | $711.96 | XXXX | $59.33 |  |  |  |  |  | 32.604% | 32.604% | 32.604% | [Redacted] | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Cross Country | $2395.00 |  | 6.890% | $0.00 | 1 |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223312311 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $8217.97 | $8217.97 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | XXXX | $479.04 | XXXX | $39.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 132.84 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223312377 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2723.46 | $2723.46 | 7.125% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | XXXX | $974.28 | XXXX | $81.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.23 |  |  |  |  |  |  |  | XXXX | $225912.21 | 41.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.29 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
| 223368071 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2337.28 | $2337.28 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1959.00 | XXXX | $163.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.2 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.77 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 123.75 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223377213 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2468.34 | $2468.34 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2270.04 | XXXX | $189.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.75 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 120.01 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223393773 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $996.95 | $996.95 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1779.96 | XXXX | $148.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.03 |  |  |  |  |  |  |  | XXXX | $72378.73 | 38.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.31 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223464737 | [Redacted] | [Redacted] |  | Exempt from ATR |  |  |  | No | No | $4229.00 | $5257.86 |  | 8.313% | $1206.81 | $1206.81 | 7.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3223.39 | 1 | XXXX | $533.04 | XXXX | $44.42 |  |  |  |  |  | 40.784% | 40.784% | 40.784% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4229.00 |  | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 2 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $148741.94 | 67.760% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223479684 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1905.98 | $1905.98 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $4893.72 | XXXX | $407.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | XXXX | $183480.31 | 56.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.52 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223479727 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1113.71 | $1113.71 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $939.00 | XXXX | $78.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXX | $78480.22 | 40.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.08 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223493792 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3790.00 | $7828.21 |  | 8.060% | $6157.77 | $6157.77 | 7.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21450.10 | 1 | XXXX | $2744.16 | XXXX | $228.68 |  |  |  |  |  | 48.379% | 48.379% | 48.379% | [Redacted] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3790.00 |  | 6.810% | ($1500.00) | 1.9 | DU |  | ApproveEligible | No | No | 7.990% | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1780262.39 | 100.000% | Yes | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 204.67 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223512426 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2901.47 | $2901.47 | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1074.96 | XXXX | $89.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | XXXX | $31596.10 | 4.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223518897 | [Redacted] | [Redacted] |  | Exempt from ATR |  |  |  | No | No | $15983.20 | $7150.15 |  | 8.587% | $1380.20 | $1508.03 | 8.563% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5346.43 | 1 | XXXX | $836.76 | XXXX | $69.73 |  |  |  |  |  | 44.523% | 45.790% | 44.523% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15983.20 |  | 6.830% | $0.00 | 2.5 |  |  |  | Yes | No | 8.563% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $19921.40 | 7.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.48 |  | No | No |  | $9637.26 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223538274 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2095.00 | $10375.98 |  | 8.055% | $6509.64 | $6509.64 | 7.990% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36448.66 | 1 | XXXX | $791.16 | XXXX | $65.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2095.00 |  | 6.800% | $0.00 | 1.9 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3422124.98 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 382.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223539254 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1322.23 | $1322.23 | 8.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $833.04 | XXXX | $69.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $72189.08 | 32.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223620571 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1206.31 | $1206.31 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $417.96 | XXXX | $34.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | 792 | 788 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | XXXX | $150215.30 | 62.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 34.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223620801 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $742.50 | $742.50 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1062.00 | XXXX | $88.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | XXXX | $157254.12 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 130.77 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223620868 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1256.78 | $1256.78 | 10.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $778.68 | XXXX | $64.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223620870 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7350.00 | $11795.83 |  | 7.499% | $5076.46 | $5076.46 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30450.53 | 1 | XXXX | $2863.20 | XXXX | $238.60 |  |  |  |  |  | 39.411% | 39.411% | 39.411% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7350.00 |  | 6.740% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $544220.54 | 51.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223622130 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2187.30 | $4188.70 |  | 8.477% | $2476.32 | $2476.32 | 8.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10192.71 | 1 | XXXX | $1343.04 | XXXX | $111.92 |  |  |  |  |  | 40.261% | 40.261% | 40.261% | [Redacted] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 87.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2187.30 |  | 6.740% | $705.90 | 2.8 |  |  |  | No | No | 8.375% | 3 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $56760.43 | 15.670% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.92 |  | Yes | No |  | $3746.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223623141 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7863.00 | $10511.58 |  | 9.159% | $2935.93 | $2935.93 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5992.25 | 1 | XXXX | $2469.00 | XXXX | $205.75 |  |  |  |  |  | 41.431% | 41.431% | 41.431% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 95.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7863.00 |  | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $109884.15 | 26.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.08 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223623148 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8640.00 | $10728.77 |  | 9.340% | $2532.30 | $2532.30 | 8.990% | No | No | Employed | Employed | Employed |  | 2.12 |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  | $6727.44 | 1 | XXXX | $2235.00 | XXXX | $186.25 |  |  |  |  |  | 37.652% | 37.652% | 37.652% | [Redacted] | 731 | 691 | 723 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8640.00 |  | 6.920% | $0.00 |  |  |  |  | No | No | 8.990% | 0 | 0 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $131425.89 | 31.290% | No | 28 | 26 | 27 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  | Employment Authorization | Employment Authorization | Employment Authorization |  |  | 8.42 |  | No | No |  | $0.00 | $6537.74 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | Yes | No |
| 223623172 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4173.65 | $4173.65 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1948.56 | XXXX | $162.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | XXXX | $154711.47 | 19.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.48 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223626350 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $908.04 | $908.04 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $332.04 | XXXX | $27.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | XXXX | $550036.30 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 324.24 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223637133 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1493.36 | $1493.36 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $1806.00 | XXXX | $150.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223663040 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7683.00 | $7347.45 |  | 9.255% | $2411.71 | $2411.71 | 8.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5704.67 | 1 | XXXX | $5727.00 | XXXX | $477.25 |  |  |  |  |  | 47.202% | 47.202% | 47.202% | [Redacted] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7683.00 |  | 6.870% | $0.00 | 2.2 |  |  |  | Yes | No | 8.990% | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.17 |  |  | No |  | $0.00 | $4795.77 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223694961 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1790.00 | $3178.65 |  | 7.336% | $2200.02 | $2200.02 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6732.82 | 1 | XXXX | $1791.96 | XXXX | $149.33 |  |  |  |  |  | 37.437% | 37.437% | 37.437% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.890% | $2000.00 | 1.9 | DU |  | ApproveEligible | Yes | No | 7.250% | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $145120.94 | 33.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223708745 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1690.00 | $16627.50 |  | 7.218% | $4732.17 | $4732.17 | 6.990% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21787.14 | 1 | XXXX | $1685.04 | XXXX | $140.42 |  |  |  |  |  | 49.399% | 49.399% | 49.399% | [Redacted] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.890% | $0.00 | 1.9 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $571162.92 | 64.170% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 64.11 |  | Yes | No |  | $1656.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223712556 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3941.50 | $6152.75 |  | 8.006% | $797.10 | $797.10 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1454.12 | 1 | XXXX | $714.96 | XXXX | $59.58 |  |  |  |  |  | 48.352% | 48.352% | 48.352% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 82.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Separation Agreement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3941.50 |  | 6.830% | $4000.00 | 3.3 | DU |  | ApproveEligible | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $941.04 | 0.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223713787 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1090.50 | $1090.50 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $4074.60 | XXXX | $339.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | 742 | 748 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.7 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $6000.00 | 2.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 126.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223717290 | [Redacted] | [Redacted] |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $4929.65 | $10651.85 |  | 8.889% | $4247.71 | $4247.71 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14121.87 | 1 | XXXX | $1205.04 | XXXX | $100.42 |  |  |  |  |  | 34.380% | 34.380% | 34.380% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Personal | 62.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4929.65 |  | 6.880% | $0.00 | 2 | DU |  | ApproveEligible | Yes | No | 8.750% | 3 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | $121373.73 | 20.220% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223717392 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9562.19 | $10581.54 |  | 9.083% | $4497.38 | $4497.38 | 8.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11132.48 | 1 | XXXX | $3456.84 | XXXX | $288.07 |  |  |  |  |  | 41.952% | 41.952% | 41.952% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9562.19 |  | 6.890% | $10000.00 | 1 |  |  |  | Yes | No | 8.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $186052.98 | 27.970% | No | 29 | 1 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.66 |  |  | No |  | $0.00 | $11250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223718775 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6384.00 | $9645.95 |  | 7.395% | $3270.35 | $3270.35 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48606.83 | 1 | XXXX | $1814.04 | XXXX | $151.17 |  |  |  |  |  | 27.621% | 27.621% | 27.621% | [Redacted] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6384.00 |  | 6.880% | $160482.95 | 1 |  |  |  | N/A | No | 7.250% | 2 |  | 2 | 0 | 1 | 2 |  |  | 0.00 | No |  |  | HELOC | No |  |  |  |  |  | XXXX | $857513.30 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.86 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223718777 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3990.00 | $4702.33 |  | 7.108% | $2658.52 | $2658.52 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6625.00 | 1 | XXXX | $2991.84 | XXXX | $249.32 |  |  |  |  |  | 38.216% | 38.216% | 38.216% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3990.00 |  | 6.880% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223718976 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2406.31 | $7571.81 |  | 7.457% | $2553.04 | $2553.04 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34983.13 | 1 | XXXX | $3278.16 | XXXX | $273.18 |  |  |  |  |  | 38.322% | 38.322% | 38.322% | [Redacted] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2406.31 |  | 6.830% | $0.00 | 5 | DU |  | ApproveEligible | No | No | 7.250% | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $17641.92 | 3.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 69.01 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223722502 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $775.18 | $775.18 | 6.875% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | XXXX | $1554.72 | XXXX | $129.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXX | $86038.66 | 39.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No |
| 223725613 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3765.00 | $6221.88 |  | 7.811% | $2477.28 | $2477.28 | 7.625% | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5637.31 | 1 | XXXX | $2030.04 | XXXX | $169.17 |  |  |  |  |  | 50.910% | 50.910% | 50.910% | [Redacted] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3765.00 |  | 6.890% | $0.00 | 1.4 |  |  |  | No | No | 7.625% | 0 | 2 | 2 | 0 | 2 | 3 |  |  | 3.03 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.21 |  | No | No |  | $0.00 | $6008.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223726558 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $22445.00 | $23167.33 |  | 9.892% | $4429.07 | $4429.07 | 9.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Honduras |  |  |  | $40557.56 | 1 | XXXX | $3678.96 | XXXX | $306.58 |  |  |  |  |  | 14.532% | 14.532% | 14.532% | [Redacted] | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $22445.00 |  | 6.830% | $0.00 | 3.4 |  |  |  | No | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 7.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223727559 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1218.12 | $1218.12 | 7.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1500.00 | XXXX | $125.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $89302.59 | 39.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.45 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223728852 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1474.87 | $1474.87 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | 1 | XXXX | $950.04 | XXXX | $79.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $300015.76 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 116.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223729054 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1940.31 | $1940.31 | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $3492.96 | XXXX | $291.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | 792 | 754 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.56 |  |  |  |  |  |  |  | XXXX | $275739.60 | 76.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 71.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223729092 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7340.00 | $12332.63 |  | 8.104% | $6825.86 | $7730.55 | 8.551% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11030.10 | 1 | XXXX | $3255.36 | XXXX | $271.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7340.00 |  | 6.790% | $11025.00 | 2.7 |  |  |  | No | No | 8.551% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2625911.85 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 215.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223729098 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $725.44 | $725.44 | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $665.04 | XXXX | $55.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | XXXX | $35429.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 37.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223732242 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $18267.56 | $18128.49 |  | 9.039% | $2996.46 | $2996.46 | 8.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4727.45 | 1 | XXXX | $3510.96 | XXXX | $292.58 |  |  |  |  |  | 48.240% | 48.240% | 48.240% | [Redacted] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18267.56 |  | 6.920% | $0.00 |  |  |  |  | Yes | No | 8.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $35710.34 |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223733595 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2524.26 | $2524.26 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1404.96 | XXXX | $117.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.4 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $119947.65 | 28.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223733855 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5740.00 | $11092.85 |  | 8.537% | $4180.40 | $4180.40 | 8.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29141.81 | 1 | XXXX | $22163.04 | XXXX | $1846.92 |  |  |  |  |  | 39.467% | 39.467% | 39.467% | [Redacted] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5740.00 |  | 6.880% | $0.00 | 1.3 |  |  |  | Yes | No | 8.375% | 0 | 1 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  | 11 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.5 |  | No | No |  | $0.00 | $26666.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223734971 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8415.00 | $10257.36 |  | 10.159% | $1721.23 | $1721.23 | 9.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $2990.69 | 1 | XXXX | $2211.00 | XXXX | $184.25 |  |  |  |  |  | 48.811% | 48.811% | 48.811% | [Redacted] | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8415.00 |  | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 9.625% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $90000.00 | 33.330% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 3.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223742911 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $8312.99 | $8312.99 | 7.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $11005.20 | XXXX | $917.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.1 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.5 |  |  |  |  |  |  |  | XXXX | $1168515.26 | 72.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 60.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223743179 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3588.40 | $6139.65 |  | 8.071% | $1064.52 | $1064.52 | 7.625% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3207.09 | 1 | XXXX | $1939.20 | XXXX | $161.60 |  |  |  |  |  | 45.743% | 45.743% | 45.743% | [Redacted] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 54.000% |  | 100.000% |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3588.40 |  | 6.920% | $0.00 | 1.3 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $143125.06 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 61.35 |  |  | No |  | $3168.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223743195 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $22880.00 | $13936.64 |  | 9.093% | $5728.64 | $5728.64 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $56112.00 | 1 | XXXX | $2442.84 | XXXX | $203.57 |  |  |  |  |  | 22.842% | 22.842% | 22.842% | [Redacted] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $22880.00 |  | 6.890% | $24000.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $20000.00 | 2.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.72 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223743886 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $20309.60 | $34417.78 |  | 8.496% | $16113.53 | $16113.53 | 8.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $19755.34 | 1 | XXXX | $3998.28 | XXXX | $333.19 |  |  |  |  |  | 49.515% | 49.515% | 49.515% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $20309.60 |  | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 1 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1019446.25 | 38.460% | No | 10 | 17 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 22.54 |  |  | No |  | $0.00 | $19458.36 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223745500 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1195.67 | $1195.67 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $825.00 | XXXX | $68.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $245931.71 | 95.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223759143 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7441.00 | $10569.48 |  | 7.668% | $2237.79 | $2237.79 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2944.96 | 1 | XXXX | $1656.00 | XXXX | $138.00 |  |  |  |  |  | 54.219% | 54.219% | 54.219% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7441.00 |  | 6.890% | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $481258.73 | 100.000% | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 135.45 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223759425 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3323.16 | $3323.16 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $1578.96 | XXXX | $131.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | XXXX | $522335.45 | 83.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 88.26 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223759443 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13545.00 | $16546.76 |  | 8.663% | $2524.49 | $2524.49 | 8.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4900.47 | 1 | XXXX | $2445.00 | XXXX | $203.75 |  |  |  |  |  | 38.691% | 38.691% | 38.691% | [Redacted] | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13545.00 |  | 6.770% | $0.00 | 2.6 |  |  |  | No | No | 8.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 29 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223759863 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5689.72 | $7213.30 |  | 7.803% | $1482.33 | $1482.33 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $2329.38 | 1 | XXXX | $1968.96 | XXXX | $164.08 |  |  |  |  |  | 48.293% | 48.293% | 48.293% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5689.72 |  | 6.830% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $58097.47 | 21.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 3.11 |  |  | No |  | $2904.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223764521 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3628.89 | $3628.89 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | XXXX | $11221.92 | XXXX | $935.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | 757 | 758 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | XXXX | $25000.00 | 3.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 22.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223764523 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2795.19 | $2795.19 | 7.990% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $2166.96 | XXXX | $180.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $324809.90 | 52.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223764809 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4535.47 | $4535.47 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $6291.00 | XXXX | $524.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.9 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223764903 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1399.45 | $1399.45 | 9.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1586.04 | XXXX | $132.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223768579 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8474.00 | $11042.48 |  | 7.606% | $2928.46 | $2928.46 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5884.81 | 1 | XXXX | $4190.04 | XXXX | $349.17 |  |  |  |  |  | 46.291% | 46.291% | 46.291% | [Redacted] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8474.00 |  | 6.770% | $0.00 | 1.3 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $20000.00 | 3.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223770002 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $25697.50 | $11171.39 |  | 7.679% | $2279.23 | $2279.23 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29429.38 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 22.277% | 22.277% | 22.277% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $25697.50 |  | 6.920% | $0.00 | 3.3 | DU |  | ApproveEligible | No | No | 7.375% | 0 | 0 | 2 | 0 | 2 | 1 |  |  | 5.60 | No |  |  |  |  |  |  |  |  |  | XXXX | $19691.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.69 |  | No | No |  | $18932.21 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223770015 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3847.00 | $5908.08 |  | 7.574% | $2227.39 | $2227.39 | 7.250% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7631.89 | 1 | XXXX | $729.48 | XXXX | $60.79 |  |  |  |  |  | 38.945% | 38.945% | 38.945% | [Redacted] | 824 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3847.00 |  | 6.080% | $0.00 | 999 | DU |  | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $125499.52 | 41.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223770110 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7156.56 | $9877.13 |  | 9.581% | $3711.68 | $3711.68 | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8901.61 | 1 | XXXX | $1484.76 | XXXX | $123.73 |  |  |  |  |  | 37.940% | 37.940% | 37.940% | [Redacted] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7156.56 |  | 6.770% | $28000.00 | 1.8 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $86341.31 | 16.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223774973 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2072.03 | $2072.03 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1497.00 | XXXX | $124.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX | $130251.80 | 34.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223778619 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4552.08 | $8129.00 |  | 7.827% | $1625.67 | $1625.67 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2740.04 | 1 | XXXX | $974.40 | XXXX | $81.20 |  |  |  |  |  | 43.203% | 43.203% | 43.203% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 67.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4552.08 |  | 6.870% | $0.00 | 3.8 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223778850 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $897.59 | $897.59 | 9.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $495.00 | XXXX | $41.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $4264.53 | 3.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223782833 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3917.50 | $5806.50 |  | 7.709% | $1139.61 | $1139.61 | 7.375% | No | Yes | Non-Employment Income | Self-Employed | Self-Employed |  | 17.11 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $7422.42 | 1 | XXXX | $1621.92 | XXXX | $135.16 |  |  |  |  |  | 53.801% | 53.801% | 53.801% | [Redacted] | 800 | 810 | 825 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Tax Return Extension - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3917.50 |  | 6.880% | $0.00 | 2.3 |  |  |  | No | No | 7.375% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $395687.62 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 182.28 |  | No | No |  | $13620.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223782904 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15370.00 | $20925.00 |  | 10.042% | $6185.91 | $6185.91 | 9.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16434.81 | 2 | XXXX | $2297.16 | XXXX | $191.43 |  |  |  |  |  | 39.517% | 39.517% | 39.517% | [Redacted] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15370.00 |  | 6.670% | $0.00 |  |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $48147.00 | 6.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.42 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223785111 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6487.00 | $5484.68 |  | 9.587% | $3935.20 | $3935.20 | 9.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7765.52 | 1 | XXXX | $2615.04 | XXXX | $217.92 |  |  |  |  |  | 39.939% | 39.939% | 39.939% | [Redacted] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 65.000% | 35.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6487.00 |  | 6.830% | $64500.00 | 1 |  |  |  | Yes | No | 9.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $32274.43 | 6.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.18 |  |  | No |  | $4525.26 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223785433 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4946.75 | $6007.16 |  | 7.946% | $725.21 | $725.21 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $2568.81 | 1 | XXXX | $1932.00 | XXXX | $161.00 |  |  |  |  |  | 37.891% | 37.891% | 37.891% | [Redacted] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4946.75 |  | 6.870% | $0.00 | 1.9 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $7228.85 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 9.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223789377 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5338.50 | $7190.53 |  | 9.889% | $2275.85 | $2275.85 | 9.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $41798.66 | 1 | XXXX | $1413.00 | XXXX | $117.75 |  |  |  |  |  | 6.268% | 6.268% | 6.268% | [Redacted] | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5338.50 |  | 6.890% | $39000.00 | 1 |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $22135.60 | 7.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223789627 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3904.33 | $3904.33 | 7.250% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | XXXX | $2334.12 | XXXX | $194.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.29 |  |  |  |  |  |  |  | XXXX | $79374.30 | 9.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
| 223789755 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3990.00 | $5893.38 |  | 7.346% | $3274.45 | $3274.45 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6147.29 | 1 | XXXX | $2526.96 | XXXX | $210.58 |  |  |  |  |  | 40.796% | 40.796% | 40.796% | [Redacted] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3990.00 |  | 6.920% | $40000.00 | 1.4 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $110661.01 | 18.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223789762 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7943.75 | $14593.09 |  | 6.908% | $5026.64 | $5026.64 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14704.95 | 1 | XXXX | $2956.08 | XXXX | $246.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7943.75 |  | 6.670% | $0.00 | 1.3 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3501786.96 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 350.43 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223790368 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4576.00 | $13379.40 |  | 7.408% | $4829.81 | $4829.81 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13762.09 | 1 | XXXX | $2778.96 | XXXX | $231.58 |  |  |  |  |  | 42.359% | 42.359% | 42.359% | [Redacted] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4576.00 |  | 6.670% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.250% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $491144.59 | 55.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.36 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223791316 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1691.03 | $1691.03 | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1052.04 | XXXX | $87.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.4 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No |
| 223791324 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2821.47 | $2821.47 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2022.00 | XXXX | $168.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  | 240 | XXXX | $223281.04 | 39.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223791657 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5167.95 | $8431.05 |  | 7.604% | $2322.05 | $2322.05 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5153.09 | 1 | XXXX | $797.04 | XXXX | $66.42 |  |  |  |  |  | 40.073% | 40.073% | 40.073% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5167.95 |  | 6.880% | $0.00 | 2.6 |  |  |  | No | No | 7.375% | 2 |  | 0 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $86903.73 | 20.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223791702 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7332.75 | $9144.81 |  | 8.396% | $2384.32 | $2645.71 | 8.598% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4977.22 | 1 | XXXX | $1470.84 | XXXX | $122.57 |  |  |  |  |  | 42.765% | 44.757% | 42.765% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7332.75 |  | 6.760% | $12400.00 | 1 |  |  |  | Yes | No | 8.598% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $142819.82 | 32.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223791703 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2033.32 | $2033.32 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1182.00 | XXXX | $98.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | XXXX | $138401.91 | 38.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223791712 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1890.00 | $3680.10 |  | 8.188% | $3248.43 | $3248.43 | 8.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7894.66 | 1 | XXXX | $1402.32 | XXXX | $116.86 |  |  |  |  |  | 40.192% | 40.192% | 40.192% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1890.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $308146.60 |  | No | 29 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 164.25 |  |  | No |  | $3513.65 | $7574.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223791989 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2722.37 | $2722.37 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1626.00 | XXXX | $135.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | XXXX | $272281.95 | 57.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223792078 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $19830.00 | $23165.00 |  | 7.855% | $4363.10 | $4363.10 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $189810.87 | 1 | XXXX | $2673.00 | XXXX | $222.75 |  |  |  |  |  | 4.517% | 4.517% | 4.517% | [Redacted] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 30.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $19830.00 |  | 6.830% | $0.00 | 4.1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $343509.80 | 38.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795372 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7542.67 | $5397.33 |  | 7.665% | $1190.86 | $1190.86 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1742.39 | 1 | XXXX | $1297.32 | XXXX | $108.11 |  |  |  |  |  | 48.183% | 48.183% | 48.183% | [Redacted] | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Cross Country | $7542.67 |  | 6.670% | $20000.00 | 1 |  |  |  | No | No | 7.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $229975.75 | 73.350% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795373 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $39566.25 | $44630.36 |  | 8.172% | $13635.00 | $15441.19 | 8.551% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $644592.86 | 1 | XXXX | $2124.00 | XXXX | $177.00 |  |  |  |  |  | 2.512% | 2.620% | 2.512% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $39566.25 |  | 6.790% | $0.00 | 2 |  |  |  | No | No | 8.551% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795403 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1520.09 | $1520.09 | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | Not Provided |  |  |  |  |  |  | 1 | XXXX | $1026.96 | XXXX | $85.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 91.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795421 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1890.00 | $6251.16 |  | 7.776% | $9170.08 | $9170.08 | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14855.51 | 1 | XXXX | $2915.04 | XXXX | $242.92 |  |  |  |  |  | 45.181% | 45.181% | 45.181% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1890.00 |  | 6.670% | $0.00 | 3.1 | DU |  | ApproveIneligible | Yes | No | 7.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2051820.03 | 100.000% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 143.59 |  | Yes | No |  | $0.00 | $11512.79 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795439 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15608.11 | $26589.35 |  | 7.573% | $5254.39 | $5254.39 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12801.61 | 1 | XXXX | $1992.96 | XXXX | $166.08 |  |  |  |  |  | 36.166% | 36.166% | 36.166% | [Redacted] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15608.11 |  | 6.770% | $0.00 | 3.5 |  |  |  | No | No | 7.250% | 1 |  | 1 | 0 | 2 | 1 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795455 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8019.60 | $11896.84 |  | 7.767% | $5056.48 | $5056.48 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17605.99 | 1 | XXXX | $3384.60 | XXXX | $282.05 |  |  |  |  |  | 45.701% | 45.701% | 45.701% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8019.60 |  | 6.670% | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | 7.625% | 2 | 2 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $211139.35 | 23.620% | No |  | 21 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 0.34 |  | Yes | No |  | $0.00 | $21966.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795466 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1990.28 | $1990.28 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1507.92 | XXXX | $125.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 104.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795468 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1406.99 | $1406.99 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $958.56 | XXXX | $79.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXX | $245347.86 | 89.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.36 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223795569 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $35177.50 | $9900.00 |  | 8.546% | $4180.40 | $4180.40 | 8.375% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8176.58 | 3 | XXXX | $6324.96 | XXXX | $527.08 |  |  |  |  |  | 45.106% | 45.106% | 45.106% | [Redacted] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $35177.50 |  | 6.890% | $0.00 |  |  |  |  | No | No | 8.375% | 0 | 3 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $238427.73 |  | No |  | 28 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.03 |  | No | No |  | $4379.75 | $10515.56 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223795621 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9772.96 | $10754.33 |  | 8.447% | $2432.42 | $2432.42 | 8.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Brazil | Brazil |  |  | $6858.30 | 1 | XXXX | $998.64 | XXXX | $83.22 |  |  |  |  |  | 35.029% | 35.029% | 35.029% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9772.96 |  | 6.770% | $10000.00 | 1 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5834.20 | 1.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 3.09 |  |  | No |  | $3127.39 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223796804 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4425.16 | $7233.00 |  | 8.340% | $1521.85 | $1521.85 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5364.92 | 1 | XXXX | $603.96 | XXXX | $50.33 |  |  |  |  |  | 40.645% | 40.645% | 40.645% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4425.16 |  | 6.890% | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $10785.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.4 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223796822 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $22464.00 | $25063.19 |  | 7.373% | $3264.94 | $3264.94 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5868.56 | 1 | XXXX | $1416.96 | XXXX | $118.08 |  |  |  |  |  | 48.494% | 48.494% | 48.494% | [Redacted] | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $22464.00 |  | 6.670% | $0.00 | 2.4 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223796824 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11243.51 | $15351.83 |  | 8.157% | $5997.15 | $5997.15 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20849.96 | 1 | XXXX | $723.00 | XXXX | $60.25 |  |  |  |  |  | 31.359% | 31.359% | 31.359% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 31.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 31.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 31.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11243.51 |  | 6.830% | $6000.00 | 2.4 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $234783.06 | 25.800% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223796849 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1903.31 | $1903.31 | 7.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1125.96 | XXXX | $93.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | XXXX | $40532.80 | 11.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No |
| 223797030 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3790.50 | $5256.90 |  | 7.464% | $1010.58 | $1010.58 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3348.46 | 1 | XXXX | $4905.96 | XXXX | $408.83 |  |  |  |  |  | 41.297% | 41.297% | 41.297% | [Redacted] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3790.50 |  | 6.830% | $2500.00 | 3.5 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1031707.87 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 232.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223797094 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1993.89 | $1993.89 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $4248.72 | XXXX | $354.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 38.47 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223797100 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1872.83 | $1872.83 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1559.16 | XXXX | $129.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  | XXXX | $127432.02 | 30.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | Yes |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223797107 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13645.00 | $15309.90 |  | 7.969% | $3284.64 | $3774.33 | 8.301% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8804.05 | 3 | XXXX | $6799.92 | XXXX | $566.66 |  |  |  |  |  | 41.290% | 42.157% | 41.290% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13645.00 |  | 6.790% | $0.00 |  |  |  |  | No | No | 8.301% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $67166.48 | 8.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223797121 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9265.00 | $12720.07 |  | 8.613% | $3800.36 | $3800.36 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30335.05 | 1 | XXXX | $860.04 | XXXX | $71.67 |  |  |  |  |  | 23.525% | 23.525% | 23.525% | [Redacted] | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9265.00 |  | 6.830% | $23250.00 | 1.3 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $345745.58 | 44.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223807725 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4552.50 | $6191.44 |  | 7.218% | $1661.58 | $1661.58 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2951.86 | 1 | XXXX | $2262.24 | XXXX | $188.52 |  |  |  |  |  | 49.891% | 49.891% | 49.891% | [Redacted] | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4552.50 |  | 6.670% | $0.00 | 4.4 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $877271.52 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 126.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223807726 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2760.94 | $2760.94 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $2675.04 | XXXX | $222.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.97 | 0.34 |  |  |  |  |  |  | 240 | XXXX | $1075540.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 151.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223808288 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $36210.63 | $39118.88 |  | 8.819% | $9313.46 | $9313.46 | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $198320.28 | 1 | XXXX | $8734.20 | XXXX | $727.85 |  |  |  |  |  | 8.218% | 8.218% | 8.218% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $36210.63 |  | 6.770% | $25000.00 |  |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $377884.26 | 26.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.85 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223810778 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2281.00 | $2281.00 | 6.875% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | XXXX | $917.88 | XXXX | $76.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | XXXX | $502801.99 | 94.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No |
| 223810779 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1887.25 | $4962.93 |  | 7.829% | $3562.36 | $3562.36 | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7415.26 | 1 | XXXX | $1552.08 | XXXX | $129.34 |  |  |  |  |  | 47.755% | 47.755% | 47.755% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1887.25 |  | 6.670% | $0.00 | 2.5 | DU |  | ApproveEligible | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $121141.68 | 20.700% | No | 29 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.87 |  | No | No |  | $0.00 | $2217.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223810782 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1183.43 | $1183.43 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $660.96 | XXXX | $55.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $70274.10 | 33.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223811000 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15026.25 | $16875.90 |  | 10.591% | $3693.62 | $3693.62 | 10.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4555.35 | 1 | XXXX | $1629.72 | XXXX | $135.81 |  |  |  |  |  | 48.811% | 48.811% | 48.811% | [Redacted] | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15026.25 |  | 6.670% | $16244.00 | 1 |  |  |  | Yes | No | 10.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $379552.93 | 63.790% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223811018 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $21569.75 | $23560.20 |  | 8.626% | $5037.24 | $5037.24 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Brazil |  |  |  | $11186.96 | 1 | XXXX | $2517.84 | XXXX | $209.82 |  |  |  |  |  | 35.925% | 35.925% | 35.925% | [Redacted] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2021 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $21569.75 |  | 6.650% | $0.00 | 1 |  |  |  | No | No | 8.250% | 1 |  | 1 | 0 | 1 | 1 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $362731.03 | 40.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 25.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223811260 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $19490.00 | $35818.75 |  | 6.980% | $8950.65 | $8950.65 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9586.41 | 1 | XXXX | $2198.04 | XXXX | $183.17 |  |  |  |  |  | 49.722% | 49.722% | 49.722% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $19490.00 |  | 6.770% | $0.00 | 1.4 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $183966.39 | 10.660% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.7 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223811270 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4829.87 | $5856.87 |  | 7.038% | $2132.88 | $2132.88 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8104.72 | 1 | XXXX | $1794.00 | XXXX | $149.50 |  |  |  |  |  | 43.466% | 43.466% | 43.466% | [Redacted] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4829.87 |  | 6.880% | $150000.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $59675.33 | 13.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223811277 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5115.00 | $9557.50 |  | 7.557% | $8740.18 | $8740.18 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12968.81 | 1 | XXXX | $3132.96 | XXXX | $261.08 |  |  |  |  |  | 44.031% | 44.031% | 44.031% | [Redacted] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5115.00 |  | 6.770% | $0.00 | 3 |  |  |  | No | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $931514.36 | 54.790% | No | 1 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.07 |  | Yes | No |  | $0.00 | $4838.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223811659 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13260.06 | $14742.62 |  | 9.137% | $2401.43 | $2401.43 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6674.48 | 1 | XXXX | $3672.36 | XXXX | $306.03 |  |  |  |  |  | 35.759% | 35.759% | 35.759% | [Redacted] | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13260.06 |  | 6.650% | $0.00 | 1.3 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 5.53 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813650 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2251.47 | $2251.47 | 7.500% | No | No |  |  |  |  | 0 |  |  | Foreign National |  |  |  |  |  |  |  | 1 | XXXX | $1106.64 | XXXX | $92.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXX | $53850.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
| 223813664 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4060.00 | $3385.00 |  | 7.157% | $4796.88 | $4796.88 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14246.44 | 1 | XXXX | $5479.68 | XXXX | $456.64 |  |  |  |  |  | 45.104% | 45.104% | 45.104% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4060.00 |  | 6.920% | $20821.52 | 3.1 | DU |  | ApproveEligible | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $289872.57 | 32.560% | No | 29 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.77 |  | No | No |  | $0.00 | $5752.76 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813673 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8144.69 | $9881.79 |  | 7.682% | $2201.53 | $2201.53 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8677.99 | 1 | XXXX | $339.96 | XXXX | $28.33 |  |  |  |  |  | 49.953% | 49.953% | 49.953% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8144.69 |  | 6.880% | $0.00 |  | DU |  | ApproveEligible | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $218562.26 | 51.420% | No |  |  |  |  | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813674 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2765.65 | $4230.85 |  | 7.920% | $2332.10 | $2742.52 | 8.551% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9656.60 | 1 | XXXX | $15442.92 | XXXX | $1286.91 |  |  |  |  |  | 52.232% | 52.378% | 52.232% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2765.65 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 8.551% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $107965.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 100.69 |  | No | No |  | $10107.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813707 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2607.78 | $2607.78 | 6.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2174.04 | XXXX | $181.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | XXXX | $15521.11 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223813879 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $32010.00 | $34446.37 |  | 8.170% | $6053.68 | $6053.68 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34786.02 | 1 | XXXX | $1761.96 | XXXX | $146.83 |  |  |  |  |  | 24.645% | 24.645% | 24.645% | [Redacted] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $32010.00 |  | 6.880% | $0.00 | 3.4 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $45521.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813880 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1891.70 | $1891.70 | 9.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $4335.00 | XXXX | $361.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXX | $10721.87 | 3.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223813899 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9508.48 | $14940.40 |  | 7.509% | $2574.08 | $2574.08 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14887.95 | 1 | XXXX | $1143.96 | XXXX | $95.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9508.48 |  | 6.670% | $0.00 | 2.4 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1001456.66 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 267.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813905 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $3168.12 |  | 6.903% | $4598.50 | $4598.50 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8026.39 | 1 | XXXX | $2175.00 | XXXX | $181.25 |  |  |  |  |  | 48.926% | 48.926% | 48.926% | [Redacted] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.770% | $0.00 |  | DU |  | ApproveEligible | No | No | 6.875% | 2 | 0 | 1 | 0 | 2 | 0 |  |  | 17.60 | No |  |  |  |  |  |  |  |  |  | XXXX | $759890.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 138.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813906 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4920.00 | $5946.76 |  | 6.984% | $1589.07 | $1589.07 | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5295.92 | 1 | XXXX | $2046.00 | XXXX | $170.50 |  |  |  |  |  | 44.068% | 44.068% | 44.068% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 52.000% |  | 100.000% | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4920.00 |  | 6.830% | $10000.00 | 1 |  |  |  | No | No | 6.750% | 0 | 0 | 1 | 0 | 0 | 1 |  | 24 | 5.97 | No |  |  |  |  |  |  |  |  |  | XXXX | $556611.30 | 77.300% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 236.9 |  |  | No |  | $4916.66 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813910 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9323.20 | $12443.39 |  | 8.373% | $3567.28 | $3893.61 | 8.551% | No | Yes | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10540.25 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9323.20 |  | 6.790% | $1500.00 | 1.7 |  |  |  | Yes | No | 8.551% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1228068.13 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 230.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223813945 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13164.28 | $0.00 |  | 8.475% | $2917.50 | $2917.50 | 8.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Haiti |  |  |  | $78355.98 | 1 | XXXX | $1659.00 | XXXX | $138.25 |  |  |  |  |  | 4.375% | 4.375% | 4.375% | [Redacted] | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13164.28 |  | 6.750% | $26000.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $168660.09 | 35.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 22.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223816680 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14841.75 | $16537.27 |  | 7.782% | $2817.90 | $2817.90 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5400.05 | 1 | XXXX | $669.00 | XXXX | $55.75 |  |  |  |  |  | 49.836% | 49.836% | 49.836% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14841.75 |  | 6.750% | $20000.00 | 2.6 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $282231.61 | 58.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.67 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223830665 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4221.70 | $5761.56 |  | 7.920% | $2337.29 | $2337.29 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4039.98 | 1 | XXXX | $1376.04 | XXXX | $114.67 |  |  |  |  |  | 49.537% | 49.537% | 49.537% | [Redacted] | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4221.70 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $168026.56 | 38.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.33 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223836737 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3016.63 | $6447.36 |  | 7.611% | $1833.74 | $1833.74 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2230.78 | 1 | XXXX | $1907.04 | XXXX | $158.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3016.63 |  | 6.670% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $604437.27 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 219.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223836756 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2392.67 | $2392.67 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1127.04 | XXXX | $93.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.5 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | XXXX | $155277.78 | 34.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.79 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223837755 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11790.00 | $11382.52 |  | 7.501% | $3069.79 | $3069.79 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4770.73 | 1 | XXXX | $2177.04 | XXXX | $181.42 |  |  |  |  |  | 44.953% | 44.953% | 44.953% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11790.00 |  | 6.870% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 7.250% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223837758 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10022.50 | $11313.62 |  | 8.123% | $5888.37 | $5888.37 | 7.990% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8680.47 | 1 | XXXX | $1593.48 | XXXX | $132.79 |  |  |  |  |  | 49.561% | 49.561% | 49.561% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10022.50 |  | 6.670% | $0.00 | 2.4 | DU |  | ApproveIneligible | No | No | 7.990% | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $539978.80 |  | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81.05 |  | No | No |  | $3800.00 | $7569.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223837811 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $16269.75 | $18509.68 |  | 8.767% | $5328.57 | $5328.57 | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9314.52 | 1 | XXXX | $4039.92 | XXXX | $336.66 |  |  |  |  |  | 46.788% | 46.788% | 46.788% | [Redacted] | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16269.75 |  | 6.770% | $0.00 | 4 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223851635 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2640.00 | $3863.35 |  | 7.698% | $3538.97 | $3538.97 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9042.31 | 1 | XXXX | $1809.00 | XXXX | $150.75 |  |  |  |  |  | 36.923% | 36.923% | 36.923% | [Redacted] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Business License - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2640.00 |  | 6.750% | $0.00 | 2.8 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 115.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223852127 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $29527.50 | $31618.52 |  | 7.175% | $10966.41 | $10966.41 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28131.27 | 1 | XXXX | $7813.44 | XXXX | $651.12 |  |  |  |  |  | 41.078% | 41.078% | 41.078% | [Redacted] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $29527.50 |  | 6.670% | $0.00 | 3.5 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223852221 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1490.00 | $2891.25 |  | 7.575% | $2307.41 | $2307.41 | 7.500% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8467.23 | 1 | XXXX | $2883.00 | XXXX | $240.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1490.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $780589.85 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 222.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223852532 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5690.00 | $7376.60 |  | 9.169% | $1534.07 | $1534.07 | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11492.74 | 1 | XXXX | $7212.96 | XXXX | $601.08 |  |  |  |  |  | 32.330% | 32.330% | 32.330% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5690.00 |  | 6.670% | $0.00 |  |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $110080.45 | 42.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.81 |  | No | No |  | $8491.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223852533 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5820.00 | $3858.40 |  | 6.835% | $1480.88 | $1480.88 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3060.26 | 1 | XXXX | $1341.96 | XXXX | $111.83 |  |  |  |  |  | 48.845% | 48.845% | 48.845% | [Redacted] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 95.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Cross Country | $5820.00 |  | 6.140% | $0.00 | 1.9 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $33094.66 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223854844 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4188.29 | $4188.29 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1908.00 | XXXX | $159.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | XXXX | $2511234.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223857405 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6061.00 | $10513.14 |  | 7.290% | $2259.75 | $2259.75 | 6.990% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13593.77 | 1 | XXXX | $1782.96 | XXXX | $148.58 |  |  |  |  |  | 36.772% | 36.772% | 36.772% | [Redacted] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2016<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6061.00 |  | 6.670% | $0.00 | 2.2 | DU |  | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $131260.13 | 30.880% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.36 |  | No | No |  | $10936.61 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223857489 | [Redacted] | [Redacted] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2695.00 | $8144.50 |  | 7.153% | $1297.20 | $1297.20 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11862.54 | 1 | XXXX | $3561.00 | XXXX | $296.75 |  |  |  |  |  | 22.967% | 22.967% | 22.967% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2695.00 |  | 6.670% | $20000.00 | 1.8 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | XXXX | $2505952.43 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 815.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223858732 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $786.70 | $786.70 | 8.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2908.56 | XXXX | $242.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 74.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223858760 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8390.00 | $9673.88 |  | 9.223% | $8136.33 | $8136.33 | 9.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13039.47 | 1 | XXXX | $13535.04 | XXXX | $1127.92 |  |  |  |  |  | 45.097% | 45.097% | 45.097% | [Redacted] | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8390.00 |  | 6.890% | $0.00 | 3.2 |  |  |  | Yes | No | 9.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223858763 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $180985.00 | $168631.48 |  | 9.059% | $33693.85 | $33693.85 | 8.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $846242.37 | 1 | XXXX | $23536.32 | XXXX | $1961.36 |  |  |  |  |  | 27.075% | 27.075% | 27.075% | [Redacted] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $180985.00 |  | 6.880% | $65000.00 | 3.6 |  |  |  | No | No | 8.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2833260.75 | 52.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223858793 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $2789.72 |  | 6.921% | $3394.68 | $3394.68 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8948.08 | 1 | XXXX | $5003.28 | XXXX | $416.94 |  |  |  |  |  | 41.959% | 41.959% | 41.959% | [Redacted] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.670% | $0.00 | 1.6 |  |  |  | No | No | 6.875% | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $488659.12 | 61.460% | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223858798 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7565.00 | $7929.58 |  | 8.593% | $1878.17 | $1878.17 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5329.58 | 1 | XXXX | $1665.00 | XXXX | $138.75 |  |  |  |  |  | 39.531% | 39.531% | 39.531% | [Redacted] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7565.00 |  | 6.670% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 1 | 0 | 2 | 3 |  |  | 17.07 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223858812 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2937.20 | $4834.08 |  | 7.167% | $1781.21 | $1781.21 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10892.40 | 1 | XXXX | $1172.04 | XXXX | $97.67 |  |  |  |  |  | 35.511% | 35.511% | 35.511% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2937.20 |  | 6.670% | $0.00 | 2.7 |  |  |  | Yes | No | 6.990% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $1349254.63 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 481.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223859019 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8924.00 | $11766.00 |  | 7.861% | $3567.28 | $3567.28 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15954.24 | 1 | XXXX | $3938.76 | XXXX | $328.23 |  |  |  |  |  | 20.229% | 20.229% | 20.229% | [Redacted] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8924.00 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223859022 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1621.50 | $1621.50 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2728.44 | XXXX | $227.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223859023 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3718.36 | $6954.60 |  | 8.814% | $8716.64 | $8716.64 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10869.67 | 1 | XXXX | $4016.04 | XXXX | $334.67 |  |  |  |  |  | 49.454% | 49.454% | 49.454% | [Redacted] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Cross Country | $3718.36 |  | 6.670% | $654.52 | 1 |  |  |  | No | No | 8.750% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  | Other |  |  |  |  | XXXX | $905442.52 | 65.370% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | VantageScore 2 | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.36 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223859028 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $17117.75 | $18480.42 |  | 7.368% | $10524.45 | $10524.45 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23512.16 | 1 | XXXX | $4446.96 | XXXX | $370.58 |  |  |  |  |  | 43.667% | 43.667% | 43.667% | [Redacted] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17117.75 |  | 6.670% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $793806.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223859029 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1304.32 | $1304.32 | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2371.44 | XXXX | $197.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXX | $16691.57 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223859096 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1702.00 | $5820.50 |  | 7.310% | $2102.00 | $2102.00 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7898.58 | 1 | XXXX | $477.00 | XXXX | $39.75 |  |  |  |  |  | 34.614% | 34.614% | 34.614% | [Redacted] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1702.00 |  | 6.770% | $8500.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $101705.99 | 26.070% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223861710 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13022.50 | $14979.96 |  | 9.229% | $3580.40 | $3580.40 | 8.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5540.31 | 1 | XXXX | $2470.08 | XXXX | $205.84 |  |  |  |  |  | 48.757% | 48.757% | 48.757% | [Redacted] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13022.50 |  | 6.750% | $0.00 | 1.1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $138871.69 | 23.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 6.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223862285 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1200.63 | $1200.63 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $555.96 | XXXX | $46.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XXXX | $380861.70 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 143.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223862288 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6271.25 | $3775.34 |  | 6.632% | $1611.77 | $1611.77 | 6.500% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4475.82 | 1 | XXXX | $1506.96 | XXXX | $125.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6271.25 |  | 6.790% | $15934.73 | 1.8 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | XXXX | $873799.63 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 350.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223862290 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1690.00 | $3272.56 |  | 7.028% | $6486.04 | $6486.04 | 6.999% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18362.56 | 1 | XXXX | $7275.12 | XXXX | $606.26 |  |  |  |  |  | 44.839% | 44.839% | 44.839% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.770% | $0.00 | 2.8 | DU |  | ApproveEligible | No | No | 6.999% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $382964.23 | 28.360% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.55 |  | Yes | No |  | $25362.96 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223862862 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11751.25 | $40723.64 |  | 7.194% | $12835.69 | $12835.69 | 6.990% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16443.61 | 1 | XXXX | $1134.00 | XXXX | $94.50 |  |  |  |  |  | 53.033% | 53.033% | 53.033% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11751.25 |  | 6.670% | $0.00 | 1.2 |  |  |  | No | No | 6.990% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1275308.77 | 49.520% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.89 |  | Yes | No |  | $18755.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223862870 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10417.00 | $14161.09 |  | 7.268% | $6366.64 | $6366.64 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9447.69 | 1 | XXXX | $1362.00 | XXXX | $113.50 |  |  |  |  |  | 47.938% | 47.938% | 47.938% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10417.00 |  | 6.750% | ($5000.00) | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1069042.32 | 79.180% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.39 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223871887 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2226.53 | $2226.53 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1952.04 | XXXX | $162.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $149431.75 | 30.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223871891 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3527.50 | $7597.42 |  | 7.723% | $2447.25 | $2447.25 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5131.36 | 1 | XXXX | $3648.12 | XXXX | $304.01 |  |  |  |  |  | 51.576% | 51.576% | 51.576% | [Redacted] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 1 | 0 | 0 |  |  | Cross Country | $3527.50 |  | 6.750% | $0.00 | 3.6 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223871893 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1031.45 | $1031.45 | 7.250% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | XXXX | $1038.96 | XXXX | $86.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223871894 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $6198.05 |  | 8.180% | $8193.45 | $8193.45 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $18919.76 | 1 | XXXX | $3953.16 | XXXX | $329.43 |  |  |  |  |  | 39.364% | 39.364% | 39.364% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.750% | $0.00 | 1.9 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $245225.32 | 18.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223872641 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5262.75 | $5620.47 |  | 9.578% | $892.33 | $892.33 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5748.18 | 1 | XXXX | $1083.00 | XXXX | $90.25 |  |  |  |  |  | 49.589% | 49.589% | 49.589% | [Redacted] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Cross Country | $5262.75 |  | 6.750% | $0.00 | 1.5 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223872660 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4600.00 | $5802.66 |  | 7.280% | $1329.32 | $1329.32 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3568.50 | 1 | XXXX | $1905.00 | XXXX | $158.75 |  |  |  |  |  | 34.996% | 34.996% | 34.996% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4600.00 |  | 6.670% | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223872661 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8109.50 | $9402.48 |  | 9.233% | $1738.61 | $1738.61 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Honduras |  |  |  | $29648.59 | 1 | XXXX | $687.96 | XXXX | $57.33 |  |  |  |  |  | 10.270% | 10.270% | 10.270% | [Redacted] | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8109.50 |  | 6.750% | $0.00 | 3.3 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 46.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223872663 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1540.16 | $3417.16 |  | 7.577% | $1154.81 | $1154.81 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6662.26 | 1 | XXXX | $1314.96 | XXXX | $109.58 |  |  |  |  |  | 32.467% | 32.467% | 32.467% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1540.16 |  | 6.790% | $0.00 | 1.4 | DU |  | ApproveEligible | No | No | 7.375% | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $142484.13 | 68.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223872728 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1917.50 | $1917.50 | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2816.04 | XXXX | $234.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  | 240 | XXXX | $118881.09 | 30.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223872737 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9707.64 | $0.00 |  | 8.620% | $4535.29 | $4535.29 | 8.625% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $124932.18 | 1 | XXXX | $2307.12 | XXXX | $192.26 |  |  |  |  |  | 5.268% | 5.268% | 5.268% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9707.64 |  | 6.920% | $20862.48 | 1.4 |  |  |  | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $24328.36 | 3.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.13 |  |  | No |  | $131878.94 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223872738 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9017.00 | $13134.89 |  | 8.346% | $2902.95 | $2902.95 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8182.36 | 1 | XXXX | $1161.96 | XXXX | $96.83 |  |  |  |  |  | 43.868% | 43.868% | 43.868% | [Redacted] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9017.00 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $106762.01 | 21.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.24 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223872749 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1179.01 | $1179.01 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $932.04 | XXXX | $77.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | XXXX | $195422.16 | 55.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223873960 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3937.76 | $4869.45 |  | 7.468% | $3597.04 | $3597.04 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22344.96 | 1 | XXXX | $3204.00 | XXXX | $267.00 |  |  |  |  |  | 32.464% | 32.464% | 32.464% | [Redacted] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3937.76 |  | 6.750% | $0.00 | 1.5 | DU |  | ApproveEligible | Yes | No | 7.375% | 1 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $160595.77 | 24.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.22 |  | No | No |  | $19153.67 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223873963 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8479.87 | $0.00 |  | 6.868% | $3218.89 | $3218.89 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5823.87 | 1 | XXXX | $1025.40 | XXXX | $85.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8479.87 |  | 6.770% | $20000.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $858350.58 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 126.01 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223874313 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7515.00 | $9995.00 |  | 7.076% | $1945.79 | $1945.79 | 6.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38507.89 | 1 | XXXX | $2045.04 | XXXX | $170.42 |  |  |  |  |  | 12.514% | 12.514% | 12.514% | [Redacted] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7515.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $50000.00 | 5.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.42 |  | Yes | No |  | $44016.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223874674 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1691.63 | $1691.63 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $5943.96 | XXXX | $495.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 72.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223877134 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $814.08 | $814.08 | 9.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $578.04 | XXXX | $48.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.57 | 0.39 |  |  |  |  |  |  |  | XXXX | $38884.67 | 31.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223877135 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $16495.00 | $18199.28 |  | 8.236% | $7942.71 | $10898.41 | 8.564% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12353.18 | 1 | XXXX | $6039.96 | XXXX | $503.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16495.00 |  | 6.500% | $0.00 | 3.5 |  |  |  | Yes | No | 8.564% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | XXXX | $3389529.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 132.76 |  | No | No |  | $20773.43 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877140 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14918.00 | $21095.61 |  | 8.379% | $4475.08 | $5089.39 | 8.597% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $13940.74 | 1 | XXXX | $7958.28 | XXXX | $663.19 |  |  |  |  |  | 47.086% | 47.893% | 47.086% | [Redacted] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14918.00 |  | 6.780% | $7500.00 | 1 |  |  |  | Yes | No | 8.597% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $53948.39 | 6.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 22.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877171 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4877.50 | $14122.75 |  | 7.162% | $5654.50 | $5654.50 | 6.999% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21724.96 | 1 | XXXX | $2267.04 | XXXX | $188.92 |  |  |  |  |  | 37.338% | 37.338% | 37.338% | [Redacted] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4877.50 |  | 6.890% | $0.00 | 4.4 | DU |  | ApproveEligible | No | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1558381.85 |  | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 257.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877172 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $1787.47 |  | 8.799% | $3009.13 | $3009.13 | 8.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16560.98 | 1 | XXXX | $2475.84 | XXXX | $206.32 |  |  |  |  |  | 47.910% | 47.910% | 47.910% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.770% | $5000.00 | 2.6 | DU |  | ApproveEligible | No | No | 8.750% | 2 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $215293.67 | 50.650% | No |  | 9 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.81 |  | No | No |  | $0.00 | $10312.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877175 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9910.31 | $9822.54 |  | 7.827% | $9537.24 | $9537.24 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26674.06 | 1 | XXXX | $7510.44 | XXXX | $625.87 |  |  |  |  |  | 41.751% | 41.751% | 41.751% | [Redacted] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9910.31 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.750% | 2 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877179 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2090.00 | $8606.91 |  | 7.156% | $2012.83 | $2012.83 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2940.92 | 1 | XXXX | $1211.04 | XXXX | $100.92 |  |  |  |  |  | 49.617% | 49.617% | 49.617% | [Redacted] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2090.00 |  | 6.790% | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $157455.45 | 41.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877256 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2092.62 | $2092.62 | 8.750% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 3 | XXXX | $2559.00 | XXXX | $213.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 47.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223877478 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4266.00 | $4952.13 |  | 8.005% | $2871.27 | $2871.27 | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22358.60 | 1 | XXXX | $1920.36 | XXXX | $160.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4266.00 |  | 6.790% | $0.00 | 4.6 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1208396.03 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 398.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877479 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $836.97 | $836.97 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2423.04 | XXXX | $201.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.34 | 0.43 |  |  |  |  |  |  |  | XXXX | $19800.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 115.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877741 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $16797.50 | $18054.91 |  | 7.906% | $4742.22 | $4742.22 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9734.12 | 1 | XXXX | $3924.96 | XXXX | $327.08 |  |  |  |  |  | 39.312% | 39.312% | 39.312% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Farming]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Farming]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Farming]; 1040 - Schedule F - 2024<br> [Borrower - \| Primary Income - Farming]; 1040 - Schedule F - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16797.50 |  | 6.750% | $0.00 | 5 |  |  |  | No | No | 7.625% | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 6.43 | No |  |  |  |  |  |  |  |  |  | XXXX | $361360.57 | 43.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.98 |  |  | No |  | $19334.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223877779 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $780.72 | $780.72 | 8.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1032.72 | XXXX | $86.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | XXXX | $106470.73 | 81.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 79.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223877786 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5519.25 | $9243.43 |  | 7.112% | $5365.12 | $5365.12 | 6.999% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16672.35 | 1 | XXXX | $3592.08 | XXXX | $299.34 |  |  |  |  |  | 44.031% | 44.031% | 44.031% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5519.25 |  | 6.770% | $0.00 | 1.6 | LP / LPA |  | Accept/Eligible | Yes | No | 6.999% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2388947.17 | 100.000% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 238.44 |  | No | No |  | $3739.24 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878007 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $18355.42 | $5496.33 |  | 8.846% | $2099.45 | $2099.45 | 8.625% | No | No | Not Employed | Self-Employed | Employed |  | 10.37 |  |  | US Citizen | US Citizen |  |  |  |  |  | $53454.12 | 1 | XXXX | $729.12 | XXXX | $60.76 |  |  |  |  |  | 44.138% | 44.138% | 44.138% | [Redacted] | 734 | 735 | 753 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18355.42 |  | 6.920% | $0.00 | 2.2 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $68739.95 |  | No |  |  | 28 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 37.59 |  | No | No |  | $83453.08 | $12236.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878012 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1023.53 | $1023.53 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1253.04 | XXXX | $104.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | XXXX | $162460.75 | 73.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878016 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $15973.13 | $5810.53 |  | 8.918% | $1691.69 | $1691.69 | 8.625% | No | No | Not Employed | Self-Employed | Employed |  | 10.37 |  |  | US Citizen | US Citizen |  |  |  |  |  | $53734.98 | 1 | XXXX | $675.00 | XXXX | $56.25 |  |  |  |  |  | 43.845% | 43.845% | 43.845% | [Redacted] | 734 | 735 | 753 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15973.13 |  | 6.920% | $0.00 | 2.3 |  |  |  | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $68739.95 |  | No |  |  | 28 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 46.96 |  | No | No |  | $83453.08 | $12236.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878017 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $16882.19 | $17705.59 |  | 8.249% | $7511.46 | $8235.18 | 8.600% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28588.75 | 1 | XXXX | $6642.96 | XXXX | $553.58 |  |  |  |  |  | 40.953% | 39.458% | 40.953% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16882.19 |  | 6.630% | $0.00 | 3.5 |  |  |  | No | No | 8.600% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878046 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $15196.13 | $5627.85 |  | 8.926% | $1599.21 | $1599.21 | 8.625% | No | No | Not Employed | Self-Employed | Employed |  | 10.37 |  |  | US Citizen | US Citizen |  |  |  |  |  | $54824.33 | 1 | XXXX | $837.00 | XXXX | $69.75 |  |  |  |  |  | 42.706% | 42.706% | 42.706% | [Redacted] | 734 | 735 | 753 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15196.13 |  | 6.920% | $0.00 | 1.5 |  |  |  | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $78559.94 |  | No |  |  | 29 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 54.56 |  | No | No |  | $83453.08 | $12236.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878048 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4202.50 | $5017.50 |  | 7.776% | $1328.51 | $1328.51 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2336.55 | 1 | XXXX | $2151.24 | XXXX | $179.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4202.50 |  | 6.880% | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $209682.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878049 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3000.00 | $5204.88 |  | 9.586% | $803.90 | $803.90 | 8.990% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6573.56 | 1 | XXXX | $696.96 | XXXX | $58.08 |  |  |  |  |  | 25.175% | 25.175% | 25.175% | [Redacted] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3000.00 |  | 6.750% | $2500.00 | 1 |  |  |  | Yes | No | 8.990% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $202696.33 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 86.58 |  |  | No |  | $0.00 | $7068.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878055 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4909.80 | $5342.40 |  | 7.166% | $2005.86 | $2005.86 | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $6162.79 | 1 | XXXX | $5507.04 | XXXX | $458.92 |  |  |  |  |  | 40.027% | 40.027% | 40.027% | [Redacted] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4909.80 |  | 6.790% | $200543.72 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $96099.26 | 19.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 25.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878065 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3627.50 | $4236.63 |  | 7.274% | $996.95 | $996.95 | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4253.07 | 1 | XXXX | $1100.04 | XXXX | $91.67 |  |  |  |  |  | 36.129% | 36.129% | 36.129% | [Redacted] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3627.50 |  | 6.750% | $2000.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 180 |  |  |  |  | XXXX | $1305445.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 478.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878117 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2390.00 | $3601.00 |  | 7.649% | $1678.11 | $1678.11 | 7.500% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27694.35 | 1 | XXXX | $1398.00 | XXXX | $116.50 |  |  |  |  |  | 21.604% | 21.604% | 21.604% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2390.00 |  | 6.790% | $91000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $19444.24 | 6.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.88 |  | No | No |  | $35326.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878310 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5660.63 | $7252.97 |  | 10.092% | $2029.75 | $2029.75 | 9.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24835.53 | 1 | XXXX | $3182.76 | XXXX | $265.23 |  |  |  |  |  | 12.000% | 12.000% | 12.000% | [Redacted] | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5660.63 |  | 6.890% | $500.00 | 1 |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $3000.00 | 0.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878314 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1390.00 | $2760.64 |  | 7.866% | $8156.25 | $11759.36 | 8.551% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $52613.15 | 1 | XXXX | $4550.04 | XXXX | $379.17 |  |  |  |  |  | 33.491% | 28.936% | 33.491% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1390.00 |  | 6.520% | $0.00 | 4.1 |  |  |  | Yes | No | 8.551% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878316 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7320.78 | $10620.33 |  | 7.970% | $2780.58 | $2780.58 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6953.65 | 1 | XXXX | $1365.96 | XXXX | $113.83 |  |  |  |  |  | 36.785% | 36.785% | 36.785% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Cross Country | $7320.78 |  | 6.790% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $19718.14 | 3.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 44.5 |  |  | No |  | $5499.97 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223878317 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14265.63 | $15121.63 |  | 8.040% | $13019.70 | $13019.70 | 7.950% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27711.47 | 1 | XXXX | $3011.04 | XXXX | $250.92 |  |  |  |  |  | 34.698% | 34.698% | 34.698% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14265.63 |  | 6.920% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | 7.950% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $4104861.29 |  | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 291.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223879346 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1790.00 | $5461.16 |  | 7.470% | $3453.38 | $3453.38 | 7.375% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8691.67 | 1 | XXXX | $892.08 | XXXX | $74.34 |  |  |  |  |  | 34.761% | 34.761% | 34.761% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.670% | $10000.00 | 1.5 | DU |  | ApproveEligible | No | No | 7.375% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $254658.20 | 40.740% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.34 |  | No | No |  | $0.00 | $9083.38 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881307 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2111.19 | $2111.19 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | N/A |  |  |  |  |  |  | 1 | XXXX | $1619.04 | XXXX | $134.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | XXXX | $159431.75 | 34.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 57.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881310 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $20215.25 | $36904.41 |  | 8.229% | $9478.56 | $9478.56 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25874.84 | 1 | XXXX | $16594.08 | XXXX | $1382.84 |  |  |  |  |  | 47.242% | 47.242% | 47.242% | [Redacted] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $20215.25 |  | 6.790% | $0.00 | 1.6 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $239782.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881311 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7274.13 | $7816.69 |  | 7.273% | $1322.40 | $1322.40 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12309.15 | 1 | XXXX | $1013.04 | XXXX | $84.42 |  |  |  |  |  | 30.501% | 30.501% | 30.501% | [Redacted] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 6.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 6.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 6.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 6.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7274.13 |  | 6.830% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $29350.47 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881435 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2783.74 | $2783.74 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $978.00 | XXXX | $81.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $609426.40 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223881437 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10058.00 | $11151.96 |  | 8.021% | $3069.11 | $3069.11 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5682.70 | 1 | XXXX | $5538.00 | XXXX | $461.50 |  |  |  |  |  | 42.459% | 42.459% | 42.459% | [Redacted] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10058.00 |  | 6.670% | $10000.00 | 3 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $10190.20 | 2.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881441 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1995.20 | $6921.20 |  | 8.093% | $1856.18 | $1856.18 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9819.24 | 1 | XXXX | $1347.00 | XXXX | $112.25 |  |  |  |  |  | 45.935% | 45.935% | 45.935% | [Redacted] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1995.20 |  | 6.880% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $110618.40 | 34.560% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881455 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1490.00 | $4804.29 |  | 7.515% | $2075.86 | $2075.86 | 7.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13938.67 | 1 | XXXX | $1239.84 | XXXX | $103.32 |  |  |  |  |  | 25.629% | 25.629% | 25.629% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1490.00 |  | 6.750% | $0.00 | 4.2 | DU |  | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $180530.58 | 48.920% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881462 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $15876.00 | $5585.60 |  | 8.914% | $1680.03 | $1680.03 | 8.625% | No | No | Not Employed | Self-Employed | Employed |  | 10.37 |  |  | US Citizen | US Citizen |  |  |  |  |  | $54851.84 | 1 | XXXX | $695.52 | XXXX | $57.96 |  |  |  |  |  | 42.678% | 42.678% | 42.678% | [Redacted] | 734 | 735 | 753 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15876.00 |  | 6.920% | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $920963.48 |  | No |  |  | 28 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 78.16 |  | No | No |  | $83453.08 | $12236.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881464 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10045.63 | $12479.55 |  | 8.990% | $2446.15 | $2446.15 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10219.31 | 1 | XXXX | $2319.96 | XXXX | $193.33 |  |  |  |  |  | 38.412% | 38.412% | 38.412% | [Redacted] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2005 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10045.63 |  | 6.930% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $106189.84 | 28.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881492 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7070.00 | $5798.16 |  | 7.494% | $1637.22 | $1637.22 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16051.49 | 1 | XXXX | $2067.96 | XXXX | $172.33 |  |  |  |  |  | 14.070% | 14.070% | 14.070% | [Redacted] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7070.00 |  | 6.770% | $9820.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $370275.96 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 143.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881499 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6639.99 | $5399.05 |  | 9.123% | $3617.56 | $3617.56 | 8.990% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7627.13 | 1 | XXXX | $2244.48 | XXXX | $187.04 |  |  |  |  |  | 42.968% | 42.968% | 42.968% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6639.99 |  | 6.790% | $14999.97 | 1 |  |  |  | Yes | No | 8.990% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $51451.87 | 10.290% | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.44 |  |  | No |  | $8378.09 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881521 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1755.31 | $1755.31 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1640.16 | XXXX | $136.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XXXX | $20150.93 | 6.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223881659 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $17445.00 | $5364.86 |  | 8.856% | $1983.36 | $1983.36 | 8.625% | No | No | Not Employed | Self-Employed | Employed |  | 10.37 |  |  | US Citizen | US Citizen |  |  |  |  |  | $53733.70 | 1 | XXXX | $786.00 | XXXX | $65.50 |  |  |  |  |  | 43.846% | 43.846% | 43.846% | [Redacted] | 734 | 735 | 753 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17445.00 |  | 6.920% | $0.00 | 2.4 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $68739.95 |  | No |  |  | 27 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 39.8 |  | No | No |  | $83453.08 | $12236.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881943 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6766.99 | $8931.49 |  | 7.165% | $3376.32 | $3376.32 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17295.16 | 1 | XXXX | $1545.96 | XXXX | $128.83 |  |  |  |  |  | 21.539% | 21.539% | 21.539% | [Redacted] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6766.99 |  | 6.670% | $2000.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $194884.85 | 30.690% | No | 29 | 28 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.62 |  |  | No |  | $0.00 | $10244.06 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881944 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13493.84 | $18616.31 |  | 7.873% | $10731.86 | $10731.86 | 7.750% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $68939.26 | 1 | XXXX | $10251.96 | XXXX | $854.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13493.84 |  | 6.670% | $0.00 | 2.9 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $5705721.36 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 370.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881952 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1662.44 | $1662.44 | 6.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $146.04 | XXXX | $12.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | XXXX | $329372.32 | 70.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881978 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $748.95 | $748.95 | 9.875% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 2 | XXXX | $1181.04 | XXXX | $98.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | 709 | 730 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | XXXX | $56664.84 | 49.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 21.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223881979 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $20637.50 | $21646.19 |  | 9.466% | $5817.48 | $5817.48 | 9.125% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $182928.95 | 1 | XXXX | $2225.64 | XXXX | $185.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 612 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Verification of Deposit - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $20637.50 |  | 6.670% | $0.00 | 3.4 |  |  |  | No | No | 9.125% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $9914798.66 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1377.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223882152 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3649.20 | $0.00 |  | 7.246% | $2341.23 | $2341.23 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9414.47 | 1 | XXXX | $1901.76 | XXXX | $158.48 |  |  |  |  |  | 42.095% | 42.095% | 42.095% | [Redacted] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3649.20 |  | 6.790% | $8184.44 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $526434.29 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 153.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223882156 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4210.00 | $4951.12 |  | 7.990% | $1051.09 | $1207.79 | 8.301% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30820.39 | 1 | XXXX | $1438.20 | XXXX | $119.85 |  |  |  |  |  | 9.637% | 9.759% | 9.637% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4210.00 |  | 6.760% | $0.00 | 5 | LP / LPA |  | Accept/Eligible | No | No | 8.301% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3217768.64 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 928.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223882250 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $12588.75 | $14336.66 |  | 6.945% | $2833.38 | $2833.38 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8643.29 | 1 | XXXX | $1619.04 | XXXX | $134.92 |  |  |  |  |  | 44.360% | 44.360% | 44.360% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12588.75 |  | 6.750% | $1600.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $385838.22 | 65.390% | No | 17 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223883615 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6867.50 | $9260.69 |  | 8.487% | $2490.45 | $2490.45 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8328.97 | 1 | XXXX | $2979.96 | XXXX | $248.33 |  |  |  |  |  | 44.023% | 44.023% | 44.023% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6867.50 |  | 6.750% | $0.00 | 1.4 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $126145.22 | 32.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.74 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223883674 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13127.39 | $14541.47 |  | 8.134% | $4308.00 | $4308.00 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $54062.14 | 1 | XXXX | $3538.80 | XXXX | $294.90 |  |  |  |  |  | 10.024% | 10.024% | 10.024% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13127.39 |  | 6.790% | $1750.00 | 2.3 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $145758.72 | 20.850% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223883700 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14056.34 | $23273.69 |  | 8.167% | $4972.16 | $4972.16 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $15948.80 | 1 | XXXX | $1755.00 | XXXX | $146.25 |  |  |  |  |  | 27.369% | 27.369% | 27.369% | [Redacted] | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14056.34 |  | 6.750% | $0.00 | 3.6 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $20000.00 | 1.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223887683 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $18514.00 | $23368.39 |  | 7.021% | $2831.66 | $2831.66 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8994.72 | 1 | XXXX | $2262.12 | XXXX | $188.51 |  |  |  |  |  | 38.851% | 38.851% | 38.851% | [Redacted] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18514.00 |  | 6.770% | $6500.00 | 1.6 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $32496.82 | 5.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223887719 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $19938.93 | $19938.93 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | N/A |  |  |  |  |  |  | 4 | XXXX | $13808.88 | XXXX | $1150.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 66.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223887904 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $13312.55 | $5353.60 |  | 8.311% | $1299.51 | $1299.51 | 7.990% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $29385.70 | 1 | XXXX | $2247.96 | XXXX | $187.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13312.55 |  | 6.670% | $6050.00 | 1 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $478366.06 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1264.44 |  | No | No |  | $42725.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223887905 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3140.00 | $7927.70 |  | 7.267% | $3705.45 | $3705.45 | 7.125% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16548.05 | 1 | XXXX | $1598.04 | XXXX | $133.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3140.00 |  | 6.670% | $0.00 | 1.4 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2222595.78 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 101.75 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223887923 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6398.75 | $10088.01 |  | 8.542% | $4361.75 | $4617.13 | 8.600% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57601.67 | 1 | XXXX | $1570.56 | XXXX | $130.88 |  |  |  |  |  | 11.494% | 12.291% | 11.494% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6398.75 |  | 6.760% | $20000.00 | 1.5 |  |  |  | No | No | 8.600% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $15000.00 | 2.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.17 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223887925 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $911.69 | $911.69 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2625.96 | XXXX | $218.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | XXXX | $77891.56 | 35.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.38 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223887927 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $950.68 | $950.68 | 6.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2517.00 | XXXX | $209.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | XXXX | $24981.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 96.19 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223887928 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5150.00 | $7809.50 |  | 7.372% | $3056.15 | $3056.15 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4036.48 | 1 | XXXX | $870.00 | XXXX | $72.50 |  |  |  |  |  | 49.352% | 49.352% | 49.352% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5150.00 |  | 6.790% | $57000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $32858.39 | 5.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.34 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223887931 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6956.32 | $297.15 |  | 9.292% | $5502.02 | $5502.02 | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14454.26 | 1 | XXXX | $2682.96 | XXXX | $223.58 |  |  |  |  |  | 40.266% | 40.266% | 40.266% | [Redacted] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6956.32 |  | 6.670% | $58153.84 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $19621.27 | 2.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223887939 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10321.25 | $11624.17 |  | 7.548% | $15907.13 | $15907.13 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21295.01 | 1 | XXXX | $7295.52 | XXXX | $607.96 |  |  |  |  |  | 47.577% | 47.577% | 47.577% | [Redacted] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10321.25 |  | 6.670% | $0.00 | 2.2 | DU |  | ApproveIneligible | No | No | 7.500% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $62823.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223887941 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2230.42 | $2230.42 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1026.48 | XXXX | $85.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XXXX | $61693.82 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223888345 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1247.74 | $1247.74 | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1014.12 | XXXX | $84.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.5 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223888346 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2063.00 | $5907.14 |  | 7.705% | $5280.14 | $5280.14 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11332.55 | 1 | XXXX | $893.04 | XXXX | $74.42 |  |  |  |  |  | 37.766% | 37.766% | 37.766% | [Redacted] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Trust Income]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2015<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2063.00 |  | 6.670% | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | 7.625% | 0 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $870240.52 | 93.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 112.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223888348 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1572.69 | $1572.69 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1024.68 | XXXX | $85.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | XXXX | $133838.10 | 39.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223888511 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $5525.40 | $5525.40 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $10320.72 | XXXX | $860.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | XXXX | $450408.84 | 45.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223888512 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1890.00 | $5166.09 |  | 7.234% | $2147.48 | $2147.48 | 7.125% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $81214.41 | 1 | XXXX | $516.00 | XXXX | $43.00 |  |  |  |  |  | 14.897% | 14.897% | 14.897% | [Redacted] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1890.00 |  | 6.750% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 7.125% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $951643.23 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 280.88 |  | No | No |  | $95430.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223888520 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1160.11 | $1160.11 | 7.875% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Not Provided |  |  |  |  |  |  | 1 | XXXX | $1842.00 | XXXX | $153.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $86533.31 | 43.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223888522 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3876.21 | $6524.03 |  | 7.245% | $1166.38 | $1166.38 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2248.60 | 1 | XXXX | $644.16 | XXXX | $53.68 |  |  |  |  |  | 43.793% | 43.793% | 43.793% | [Redacted] | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3876.21 |  | 6.790% | $0.00 |  |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $157480.30 | 59.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223888536 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $615.72 | $615.72 | 6.250% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $345.96 | XXXX | $28.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | XXXX | $350525.69 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 150.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223888671 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4696.25 | $5537.54 |  | 8.768% | $1643.55 | $1643.55 | 8.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9473.25 | 1 | XXXX | $510.00 | XXXX | $42.50 |  |  |  |  |  | 26.114% | 26.114% | 26.114% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4696.25 |  | 6.750% | $0.00 | 1.4 |  |  |  | N/A | No | 8.500% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $105718.10 | 37.090% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223888804 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4022.50 | $4895.50 |  | 8.109% | $1468.27 | $1468.27 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3510.57 | 2 | XXXX | $1514.04 | XXXX | $126.17 |  |  |  |  |  | 49.420% | 49.420% | 49.420% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4022.50 |  | 6.830% | $0.00 |  |  |  |  | No | No | 7.875% | 2 |  | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $126508.87 |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223888805 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1390.00 | $2603.03 |  | 7.094% | $1602.12 | $1602.12 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14500.41 | 1 | XXXX | $1432.32 | XXXX | $119.36 |  |  |  |  |  | 47.088% | 47.088% | 47.088% | [Redacted] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1390.00 |  | 6.670% | $6428.10 | 1 | DU |  | ApproveIneligible | Yes | No | 6.990% | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2150366.04 | 100.000% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1017.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223889120 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $19264.56 | $25611.96 |  | 7.452% | $3838.91 | $3838.91 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25792.93 | 1 | XXXX | $3389.04 | XXXX | $282.42 |  |  |  |  |  | 26.633% | 26.633% | 26.633% | [Redacted] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $19264.56 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $13026.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223889857 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2034.61 | $2034.61 | 7.750% | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 3 | XXXX | $8059.56 | XXXX | $671.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 796 |  |  |  | 806 | 796 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $14550.00 | 4.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 8.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223891691 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2538.00 | $4014.04 |  | 7.445% | $1105.13 | $1105.13 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7621.58 | 1 | XXXX | $750.96 | XXXX | $62.58 |  |  |  |  |  | 42.521% | 42.521% | 42.521% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2538.00 |  | 6.790% | $0.00 | 2.2 |  |  |  | No | No | 7.250% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $607871.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 266.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891707 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13646.00 | $14255.00 |  | 9.424% | $2386.93 | $2386.93 | 8.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $6067.29 | 1 | XXXX | $3318.00 | XXXX | $276.50 |  |  |  |  |  | 32.604% | 32.604% | 32.604% | [Redacted] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13646.00 |  | 6.670% | $0.00 | 2.6 |  |  |  | Yes | No | 8.875% | 2 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $9954.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 4.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223891708 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3470.63 | $5216.22 |  | 7.737% | $880.61 | $880.61 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1684.52 | 1 | XXXX | $735.00 | XXXX | $61.25 |  |  |  |  |  | 48.451% | 48.451% | 48.451% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3470.63 |  | 6.790% | $0.00 | 1.3 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $7326.71 | 4.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.05 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891723 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2581.24 | $2581.24 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1505.04 | XXXX | $125.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $186847.83 | 41.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891724 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1935.00 | $4907.23 |  | 6.736% | $1920.93 | $1920.93 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3240.84 | 1 | XXXX | $2244.00 | XXXX | $187.00 |  |  |  |  |  | 49.827% | 49.827% | 49.827% | [Redacted] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1935.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $49341.63 | 6.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891725 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4369.37 | $16047.15 |  | 7.071% | $5592.11 | $5592.11 | 6.875% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6255.61 | 1 | XXXX | $425.04 | XXXX | $35.42 |  |  |  |  |  | 49.519% | 49.519% | 49.519% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Annuity]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4369.37 |  | 6.770% | $22700.00 | 2.4 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $396675.63 | 34.940% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.54 |  | No | No |  | $9965.21 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891729 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1244.19 | $1244.19 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $779.16 | XXXX | $64.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891733 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2985.00 | $7132.51 |  | 7.100% | $2089.03 | $2089.03 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6379.33 | 1 | XXXX | $4277.04 | XXXX | $356.42 |  |  |  |  |  | 49.950% | 49.950% | 49.950% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2985.00 |  | 6.790% | $0.00 | 1.7 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891801 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $868.75 | $868.75 | 9.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $759.96 | XXXX | $63.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.57 |  |  |  |  |  |  |  | XXXX | $27386.05 | 20.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891827 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3561.50 | $4424.00 |  | 8.182% | $1116.61 | $1116.61 | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8424.09 | 1 | XXXX | $869.04 | XXXX | $72.42 |  |  |  |  |  | 13.379% | 13.379% | 13.379% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3561.50 |  | 6.670% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 41.73 |  |  | No |  | $0.00 | $1186.82 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223891978 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1348.84 | $1348.84 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $5160.48 | XXXX | $430.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | XXXX | $279162.76 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 104.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223892321 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1061.69 | $1061.69 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1281.00 | XXXX | $106.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.7 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | XXXX | $735.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.8 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223892477 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4927.50 | $5422.91 |  | 8.074% | $920.13 | $920.13 | 7.625% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $2544.34 | 1 | XXXX | $1403.52 | XXXX | $116.96 |  |  |  |  |  | 49.348% | 49.348% | 49.348% | [Redacted] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4927.50 |  | 6.890% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Resident Alien Card |  |  | No | 69.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223900197 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2626.38 | $2626.38 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3794.04 | XXXX | $316.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900247 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14041.85 | $16601.30 |  | 7.899% | $2054.76 | $2054.76 | 7.375% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $2447.08 | 1 | XXXX | $1338.96 | XXXX | $111.58 |  |  |  |  |  | 49.047% | 49.047% | 49.047% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14041.85 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $91430.87 | 26.120% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 7.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223900249 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $976.76 | $976.76 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1856.28 | XXXX | $154.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 82.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900252 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $0.00 | $1605.50 |  | 7.339% | $1253.50 | $1253.50 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11665.25 | 1 | XXXX | $782.04 | XXXX | $65.17 |  |  |  |  |  | 40.144% | 40.144% | 40.144% | [Redacted] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country |  |  | 6.750% | $0.00 | 3.1 | DU |  | ApproveEligible | No | No | 7.250% | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $110907.34 | 45.260% | No |  | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.85 |  | No | No |  | $0.00 | $10833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900260 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1390.00 | $6578.15 |  | 7.998% | $2778.47 | $2778.47 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13324.67 | 1 | XXXX | $2532.96 | XXXX | $211.08 |  |  |  |  |  | 29.383% | 29.383% | 29.383% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1390.00 |  | 6.670% | $6800.00 | 1 |  |  |  | Yes | No | 7.875% | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1277853.78 | 100.000% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 313.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900313 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $5903.55 | $5903.55 | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $2139.96 | XXXX | $178.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.29 |  |  |  |  |  |  |  | XXXX | $965447.85 | 73.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900319 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | Yes | $5760.00 | $19695.68 |  | 7.457% | $5184.54 | $5184.54 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26853.82 | 1 | XXXX | $2334.96 | XXXX | $194.58 |  |  |  |  |  | 29.452% | 29.452% | 29.452% | [Redacted] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5760.00 |  | 6.670% | $0.00 | 3.6 | LP / LPA |  | Accept/Eligible | Yes | No | 7.250% | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $47500.00 | 5.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900364 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3349.49 | $3349.49 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1890.24 | XXXX | $157.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | XXXX | $82458.82 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900382 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1208.82 | $1208.82 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $723.00 | XXXX | $60.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.7 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXX | $949898.08 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 628.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900403 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9641.00 | $10580.99 |  | 7.021% | $2153.35 | $2153.35 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3131.01 | 1 | XXXX | $1631.04 | XXXX | $135.92 |  |  |  |  |  | 46.296% | 46.296% | 46.296% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Other - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9641.00 |  | 6.750% | $78490.00 | 1 |  |  |  | Yes | No | 6.750% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $229558.70 | 55.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.97 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900406 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $950.93 | $950.93 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1025.04 | XXXX | $85.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | XXXX | $127963.51 | 75.270% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.36 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223900423 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1149.63 | $1149.63 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1017.72 | XXXX | $84.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | XXXX | $339856.35 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 125.24 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223900518 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1625.93 | $1625.93 | 7.125% | No | No |  |  |  |  | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | XXXX | $11679.84 | XXXX | $973.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | 728 | 785 | 758 | 699 | 680 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  | No | 73.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900859 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1308.00 | $15317.82 |  | 8.043% | $10629.48 | $10629.48 | 7.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20133.98 | 1 | XXXX | $4224.96 | XXXX | $352.08 |  |  |  |  |  | 47.751% | 47.751% | 47.751% | [Redacted] | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1308.00 |  | 6.670% | $0.00 | 1 |  |  |  | No | No | 7.990% | 1 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2553811.05 | 86.560% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900861 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4267.00 | $7829.50 |  | 7.410% | $2455.83 | $2455.83 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5274.41 | 1 | XXXX | $1358.04 | XXXX | $113.17 |  |  |  |  |  | 42.639% | 42.639% | 42.639% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4267.00 |  | 6.750% | $4500.00 | 1.8 | DU |  | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $171378.35 | 38.080% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.26 |  | No | No |  | $0.00 | $3348.90 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900863 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4593.75 | $6430.50 |  | 7.773% | $3149.68 | $3149.68 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $78480.29 | 1 | XXXX | $2766.96 | XXXX | $230.58 |  |  |  |  |  | 8.744% | 8.744% | 8.744% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4593.75 |  | 6.830% | $0.00 | 1.2 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 122.91 |  | No | No |  | $86000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900864 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1418.97 | $1418.97 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1974.96 | XXXX | $164.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | XXXX | $88256.15 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223900866 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8705.00 | $13015.24 |  | 7.741% | $2610.75 | $2610.75 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | El Salvador |  |  |  | $71811.86 | 1 | XXXX | $1166.04 | XXXX | $97.17 |  |  |  |  |  | 4.459% | 4.459% | 4.459% | [Redacted] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8705.00 |  | 6.830% | $0.00 | 1.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $226148.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 67.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223900867 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $2577.64 |  | 7.136% | $13374.32 | $13374.32 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $179568.33 | 1 | XXXX | $8244.84 | XXXX | $687.07 |  |  |  |  |  | 11.808% | 11.808% | 11.808% | [Redacted] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $0.00 | 3.5 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $10743.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900874 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2720.46 | $2720.46 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2561.04 | XXXX | $213.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | XXXX | $0.00 |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900878 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $31190.00 | $13527.12 |  | 8.384% | $2712.35 | $2712.35 | 7.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7792.45 | 1 | XXXX | $2100.00 | XXXX | $175.00 |  |  |  |  |  | 27.368% | 27.368% | 27.368% | [Redacted] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Cross Country | $31190.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $48411.59 |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900945 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8246.00 | $10444.39 |  | 9.500% | $1631.92 | $1631.92 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5056.04 | 1 | XXXX | $773.88 | XXXX | $64.49 |  |  |  |  |  | 43.959% | 43.959% | 43.959% | [Redacted] | 608 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  | Cross Country | $8246.00 |  | 6.790% | $0.00 | 2.6 |  |  |  | No | No | 8.990% | 0 |  | 1 | 0 | 2 | 1 |  |  | 6.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $486818.05 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 136.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900947 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10140.63 | $10465.55 |  | 9.558% | $5427.16 | $5427.16 | 9.375% | No | No | Not Employed | Self-Employed | Self-Employed |  | 9.16 |  |  | US Citizen | US Citizen |  |  |  |  |  | $15093.14 | 1 | XXXX | $2058.00 | XXXX | $171.50 |  |  |  |  |  | 39.786% | 39.786% | 39.786% | [Redacted] | 752 | 718 | 696 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10140.63 |  | 6.750% | $21750.00 | 3.5 |  |  |  | No | No | 9.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $43561.17 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 10.97 |  | No | No |  | $25065.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900951 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2093.59 | $2093.59 | 6.990% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | XXXX | $1990.56 | XXXX | $165.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXX | $189768.55 | 45.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No |
| 223900966 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14459.85 | $18640.99 |  | 6.590% | $4335.90 | $4335.90 | 6.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8451.38 | 1 | XXXX | $1815.00 | XXXX | $151.25 |  |  |  |  |  | 44.734% | 44.734% | 44.734% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 67.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14459.85 |  | 6.830% | $5000.00 | 1 |  |  |  | No | No | 6.375% | 2 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $384077.42 | 38.600% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.39 |  |  | No |  | $10246.85 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223900985 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $665.06 | $665.06 | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $905.04 | XXXX | $75.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | XXXX | $3496.90 | 2.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 124.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223901428 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $5149.87 | $5149.87 | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $3822.48 | XXXX | $318.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | XXXX | $1475603.03 | 97.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 108.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223901994 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1507.32 | $1507.32 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1020.00 | XXXX | $85.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | XXXX | $1000.00 | 0.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223901999 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1690.00 | $7553.65 |  | 7.583% | $3854.07 | $3854.07 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12601.15 | 1 | XXXX | $2609.04 | XXXX | $217.42 |  |  |  |  |  | 48.097% | 48.097% | 48.097% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.770% | $6000.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.500% | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $394667.18 | 57.280% | No | 21 | 6 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.32 |  | No | No |  | $11120.96 | $2080.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223902090 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $791.64 | $791.64 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1269.00 | XXXX | $105.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | XXXX | $160198.45 | 94.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223903458 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1725.67 | $1725.67 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1020.24 | XXXX | $85.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | XXXX | $94828.40 | 31.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223903460 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1146.06 | $1146.06 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $663.00 | XXXX | $55.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | XXXX | $142915.81 | 68.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.58 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223903462 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2245.87 | $2245.87 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1652.40 | XXXX | $137.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $180353.75 | 46.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223903546 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1806.12 | $1806.12 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $444.96 | XXXX | $37.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903549 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2691.19 | $2691.19 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2702.88 | XXXX | $225.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | XXXX | $15032.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903550 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $7020.00 | $9870.70 |  | 9.151% | $2514.24 | $2514.24 | 8.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9452.81 | 1 | XXXX | $1461.36 | XXXX | $121.78 |  |  |  |  |  | 49.977% | 49.977% | 49.977% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7020.00 |  | 6.750% | $89846.68 | 999 |  |  |  | Yes | No | 8.875% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $246167.87 | 62.320% | No | 29 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 56.94 |  | No | No |  | $1010.71 | $6824.90 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903551 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3190.00 | $4540.00 |  | 7.763% | $1048.82 | $1048.82 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $73090.57 | 1 | XXXX | $1071.96 | XXXX | $89.33 |  |  |  |  |  | 5.554% | 5.554% | 5.554% | [Redacted] | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3190.00 |  | 6.670% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $73254.93 | 30.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903552 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $985.39 | $985.39 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $668.88 | XXXX | $55.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | XXXX | $217683.38 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 239.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223903686 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $2850.00 | $6095.04 |  | 8.043% | $1329.66 | $1329.66 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40745.15 | 1 | XXXX | $2499.96 | XXXX | $208.33 |  |  |  |  |  | 26.477% | 26.477% | 26.477% | [Redacted] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2850.00 |  | 6.670% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | 7.750% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $106304.63 | 45.820% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.73 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903687 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $7159.50 | $14410.04 |  | 7.144% | $4685.65 | $4685.65 | 6.990% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34886.32 | 1 | XXXX | $5450.88 | XXXX | $454.24 |  |  |  |  |  | 36.102% | 36.102% | 36.102% | [Redacted] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7159.50 |  | 6.750% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | 6.990% | 2 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $713183.63 | 75.870% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 73.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903693 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1766.41 | $1766.41 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2856.96 | XXXX | $238.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XXXX | $5000.00 | 1.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223903718 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1305.65 | $1305.65 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1356.96 | XXXX | $113.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | XXXX | $370065.05 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 161.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903890 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1920.93 | $1920.93 | 6.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $3777.72 | XXXX | $314.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | 676 | 673 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $539384.57 | 73.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 26.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223903891 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8879.10 | $12514.10 |  | 7.691% | $3733.81 | $3733.81 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10425.04 | 1 | XXXX | $7862.04 | XXXX | $655.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8879.10 |  | 6.830% | $0.00 | 5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $831764.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 136.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903898 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1440.07 | $1440.07 | 7.125% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Not Provided |  |  |  |  |  |  | 1 | XXXX | $1722.00 | XXXX | $143.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903899 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2097.64 | $2097.64 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1415.04 | XXXX | $117.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | XXXX | $100.00 | 0.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223903900 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2010.65 | $2010.65 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1431.96 | XXXX | $119.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.2 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX | $149431.75 | 33.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 136.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903905 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11824.37 | $14547.53 |  | 8.053% | $3089.53 | $3089.53 | 7.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21067.11 | 1 | XXXX | $2453.04 | XXXX | $204.42 |  |  |  |  |  | 25.764% | 25.764% | 25.764% | [Redacted] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11824.37 |  | 6.770% | $1430.00 | 3.2 |  |  |  | No | No | 7.750% | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $235032.24 | 40.870% | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.46 |  | No | No |  | $0.00 | $6523.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903906 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6768.54 | $6768.54 | 6.625% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | XXXX | $469.56 | XXXX | $39.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  | 240 | XXXX | $519258.67 |  | No |  |  |  |  | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes | Yes | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223903913 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1708.01 | $1708.01 | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | XXXX | $830.04 | XXXX | $69.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | XXXX | $43548.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 139.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223903921 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1708.01 | $1708.01 | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $753.00 | XXXX | $62.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XXXX | $43548.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 130.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223903924 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1708.01 | $1708.01 | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | XXXX | $903.00 | XXXX | $75.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | XXXX | $43548.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 135.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223903928 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $2628.28 |  | 7.463% | $886.83 | $886.83 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2444.04 | 1 | XXXX | $842.04 | XXXX | $70.17 |  |  |  |  |  | 47.719% | 47.719% | 47.719% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.920% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $221884.41 | 67.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.6 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223904145 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1590.71 | $1590.71 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1243.80 | XXXX | $103.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 123.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223904149 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2984.49 | $2984.49 | 8.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $818.04 | XXXX | $68.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | 763 | 774 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | XXXX | $13065.58 | 2.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 32.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223910254 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3626.60 | $10389.75 |  | 7.043% | $3148.00 | $3148.00 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10700.97 | 1 | XXXX | $1631.04 | XXXX | $135.92 |  |  |  |  |  | 36.980% | 36.980% | 36.980% | [Redacted] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3626.60 |  | 6.750% | $0.00 | 2.5 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $202999.48 | 33.880% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223910601 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6110.00 | $9609.93 |  | 7.405% | $3083.44 | $3083.44 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45660.39 | 1 | XXXX | $1981.68 | XXXX | $165.14 |  |  |  |  |  | 21.756% | 21.756% | 21.756% | [Redacted] | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6110.00 |  | 6.790% | $0.00 | 2.9 | DU |  | ApproveEligible | No | No | 7.250% | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $203579.25 | 36.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223910630 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $8567.36 |  | 7.494% | $3536.26 | $3536.26 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28088.71 | 1 | XXXX | $1440.12 | XXXX | $120.01 |  |  |  |  |  | 17.177% | 17.177% | 17.177% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.790% | $2500.00 | 1.2 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $438480.47 | 68.510% | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223910749 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7742.04 | $14817.56 |  | 7.120% | $5577.58 | $5577.58 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30951.91 | 1 | XXXX | $4051.44 | XXXX | $337.62 |  |  |  |  |  | 21.685% | 21.685% | 21.685% | [Redacted] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7742.04 |  | 6.750% | $10000.00 | 1.8 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $466391.41 | 44.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223911924 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3028.86 | $3028.86 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1416.00 | XXXX | $118.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.8 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX | $258024.37 | 46.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223913221 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6640.00 | $8377.19 |  | 7.582% | $1796.54 | $1796.54 | 6.990% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7464.03 | 1 | XXXX | $897.12 | XXXX | $74.76 |  |  |  |  |  | 30.313% | 30.313% | 30.313% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6640.00 |  | 5.910% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $722164.13 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 219.92 |  |  | No |  | $2461.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913227 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3047.88 | $3047.88 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | XXXX | $3810.96 | XXXX | $317.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | XXXX | $491256.37 | 82.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 102.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223913229 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7264.00 | $7999.52 |  | 9.186% | $3826.58 | $3826.58 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14109.60 | 1 | XXXX | $1433.04 | XXXX | $119.42 |  |  |  |  |  | 25.251% | 25.251% | 25.251% | [Redacted] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7264.00 |  | 6.750% | $2500.00 | 1 |  |  |  | Yes | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $235220.51 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913231 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1490.00 | $6656.09 |  | 7.189% | $3961.46 | $3961.46 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8333.27 | 1 | XXXX | $1209.96 | XXXX | $100.83 |  |  |  |  |  | 39.632% | 39.632% | 39.632% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1490.00 |  | 6.750% | $5000.00 | 1 | DU |  | ApproveEligible | No | No | 7.125% | 0 |  | 1 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $234879.35 | 31.950% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913234 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1994.32 | $1994.32 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2300.88 | XXXX | $191.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XXXX | $667054.99 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 209.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223913235 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8188.00 | $10735.83 |  | 7.796% | $2629.05 | $2629.05 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4115.43 | 1 | XXXX | $4578.96 | XXXX | $381.58 |  |  |  |  |  | 44.953% | 44.953% | 44.953% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8188.00 |  | 6.750% | $0.00 | 1.5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $239837.87 | 51.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913289 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12969.37 | $17824.13 |  | 9.748% | $5467.65 | $5467.65 | 9.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32690.92 | 1 | XXXX | $1437.00 | XXXX | $119.75 |  |  |  |  |  | 40.849% | 40.849% | 40.849% | [Redacted] | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 50.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12969.37 |  | 6.750% | $1000.00 | 1 |  |  |  | Yes | No | 9.500% | 1 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $250788.82 | 32.780% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.93 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913303 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7070.00 | $9367.92 |  | 8.033% | $2193.28 | $2499.08 | 8.336% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14060.00 | 1 | XXXX | $639.00 | XXXX | $53.25 |  |  |  |  |  | 23.309% | 23.884% | 23.309% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7070.00 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 8.336% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $147745.70 | 33.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913321 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3136.88 | $3948.04 |  | 11.106% | $1050.17 | $1050.17 | 10.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12351.72 | 1 | XXXX | $746.04 | XXXX | $62.17 |  |  |  |  |  | 25.546% | 25.546% | 25.546% | [Redacted] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3136.88 |  | 6.750% | $6071.57 | 1 |  |  |  | Yes | No | 10.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $26047.68 | 20.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913667 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1769.48 | $1769.48 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1674.96 | XXXX | $139.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | 784 | 703 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.5 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX | $59414.09 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 99.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223913668 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $4899.41 |  | 7.177% | $3126.05 | $3126.05 | 7.125% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18747.21 | 1 | XXXX | $2859.96 | XXXX | $238.33 |  |  |  |  |  | 30.036% | 30.036% | 30.036% | [Redacted] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.750% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 7.125% | 0 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $221747.73 | 38.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.85 |  | No | No |  | $0.00 | $26795.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913671 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1890.00 | $13957.80 |  | 7.062% | $7709.72 | $7709.72 | 6.990% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14549.64 | 1 | XXXX | $3923.88 | XXXX | $326.99 |  |  |  |  |  | 44.933% | 44.933% | 44.933% | [Redacted] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1890.00 |  | 6.750% | $5500.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $762421.68 | 52.580% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 44.61 |  | No | No |  | $3321.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913707 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8703.75 | $11778.10 |  | 7.433% | $2324.33 | $2324.33 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Guatemala |  |  |  | $8049.05 | 1 | XXXX | $1257.00 | XXXX | $104.75 |  |  |  |  |  | 29.623% | 29.623% | 29.623% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8703.75 |  | 6.750% | $0.00 | 5 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $177366.63 | 27.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 49.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223913716 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1375.82 | $1375.82 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $798.96 | XXXX | $66.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.87 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223913722 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2046.03 | $10520.33 |  | 7.054% | $8191.58 | $8191.58 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29633.43 | 1 | XXXX | $2858.04 | XXXX | $238.17 |  |  |  |  |  | 35.177% | 35.177% | 35.177% | [Redacted] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2046.03 |  | 6.870% | $45000.00 | 3.9 |  |  |  | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $509056.62 | 35.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.19 |  | Yes | No |  | $0.00 | $11424.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913822 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1690.00 | $3502.66 |  | 7.311% | $2335.77 | $2335.77 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20271.58 | 1 | XXXX | $684.00 | XXXX | $57.00 |  |  |  |  |  | 15.431% | 15.431% | 15.431% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.750% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $270696.48 | 63.240% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 63.4 |  | No | No |  | $0.00 | $6165.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223913845 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1900.11 | $1900.11 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2765.04 | XXXX | $230.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | XXXX | $426941.36 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223914606 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1692.52 | $1692.52 | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $528.48 | XXXX | $44.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  |  | XXXX | $95996.44 | 30.470% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.18 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223914617 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2226.56 | $2226.56 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1080.00 | XXXX | $90.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  | 240 | XXXX | $171510.38 | 36.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.28 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223915001 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $599.55 | $599.55 | 6.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1022.40 | XXXX | $85.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 6.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | XXXX | $2500.00 | 1.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223915382 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4236.13 | $4236.13 | 6.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $9291.96 | XXXX | $774.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XXXX | $8000.00 | 0.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 70.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915383 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6814.99 | $11888.34 |  | 9.149% | $4437.54 | $4437.54 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $50733.20 | 1 | XXXX | $1673.04 | XXXX | $139.42 |  |  |  |  |  | 17.282% | 17.282% | 17.282% | [Redacted] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6814.99 |  | 6.670% | $7000.00 | 2 |  |  |  | Yes | No | 8.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $85769.33 | 13.150% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915384 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4120.00 | $7331.80 |  | 8.230% | $2001.27 | $2001.27 | 7.990% | No | No | Non-Employment Income | Self-Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $11075.16 | 1 | XXXX | $449.04 | XXXX | $37.42 |  |  |  |  |  | 52.291% | 52.291% | 52.291% | [Redacted] | 769 | 805 | 814 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; D1C Income Verification Report - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; D1C Income Verification Report - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2002 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4120.00 |  | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $786831.44 | 100.000% | No | 2 | 2 |  |  | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 136.55 |  | No | No |  | $18000.55 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915402 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2495.00 | $7855.46 |  | 7.870% | $3223.86 | $3223.86 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25008.02 | 1 | XXXX | $1275.96 | XXXX | $106.33 |  |  |  |  |  | 42.623% | 42.623% | 42.623% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2495.00 |  | 6.750% | $10000.00 | 2.1 | DU |  | ApproveEligible | Yes | No | 7.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $673943.06 | 100.000% | No | 31 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 181.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915406 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4560.43 | $4560.43 | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | XXXX | $4113.00 | XXXX | $342.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 102.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915417 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1824.95 | $1824.95 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | XXXX | $1026.96 | XXXX | $85.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 124.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915486 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2843.45 | $2843.45 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | XXXX | $3555.96 | XXXX | $296.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | XXXX | $491256.37 | 89.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 114.97 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223915492 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3616.50 | $5949.67 |  | 7.619% | $2610.16 | $2610.16 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13405.00 | 1 | XXXX | $1353.60 | XXXX | $112.80 |  |  |  |  |  | 21.896% | 21.896% | 21.896% | [Redacted] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3616.50 |  | 6.750% | $5000.00 | 1.9 | DU |  | ApproveEligible | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $50836.50 | 11.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915495 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1670.50 | $6394.80 |  | 7.035% | $2115.31 | $2115.31 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20617.79 | 1 | XXXX | $6768.00 | XXXX | $564.00 |  |  |  |  |  | 29.049% | 29.049% | 29.049% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1670.50 |  | 6.750% | $0.00 | 1.3 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $38431.47 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915526 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2240.00 | $4775.76 |  | 7.516% | $1726.69 | $1726.69 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5519.43 | 1 | XXXX | $2794.20 | XXXX | $232.85 |  |  |  |  |  | 30.323% | 30.323% | 30.323% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2240.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $537792.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 238.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915529 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1757.02 | $1757.02 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $636.96 | XXXX | $53.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $1761159.45 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 853.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223915533 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1394.49 | $1394.49 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2135.04 | XXXX | $177.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.9 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | XXXX | $400762.99 | 96.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915540 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4677.18 | $5402.43 |  | 6.277% | $5172.02 | $5172.02 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36459.30 | 1 | XXXX | $6189.00 | XXXX | $515.75 |  |  |  |  |  | 41.857% | 41.857% | 41.857% | [Redacted] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4677.18 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $65436.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915543 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5825.00 | $8409.20 |  | 8.149% | $3177.85 | $3177.85 | 7.990% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $21302.84 | 1 | XXXX | $1650.96 | XXXX | $137.58 |  |  |  |  |  | 14.450% | 14.450% | 14.450% | [Redacted] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5825.00 |  | 6.630% | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $170616.13 | 33.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 22.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915545 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1158.95 | $1158.95 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $749.40 | XXXX | $62.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | XXXX | $88582.45 | 40.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915546 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $30545.00 | $33282.70 |  | 7.608% | $20976.44 | $20976.44 | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $126714.80 | 1 | XXXX | $10185.96 | XXXX | $848.83 |  |  |  |  |  | 18.580% | 18.580% | 18.580% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $30545.00 |  | 6.790% | $0.00 | 2.7 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1267780.87 | 31.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.17 |  | Yes | No |  | $155630.59 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915549 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15890.00 | $28775.07 |  | 7.382% | $4519.49 | $4519.49 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5985.16 | 1 | XXXX | $1659.00 | XXXX | $138.25 |  |  |  |  |  | 49.689% | 49.689% | 49.689% | [Redacted] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15890.00 |  | 6.630% | $224000.00 | 1.1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $27363.61 | 3.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915650 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10256.00 | $13583.72 |  | 8.171% | $4141.61 | $4141.61 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $9845.18 | 1 | XXXX | $1548.96 | XXXX | $129.08 |  |  |  |  |  | 38.602% | 38.602% | 38.602% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10256.00 |  | 6.000% | $10000.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $53863.92 | 9.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 4.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915709 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $18530.00 | $6547.40 |  | 8.073% | $2059.20 | $2059.20 | 7.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9743.08 | 1 | XXXX | $5037.12 | XXXX | $419.76 |  |  |  |  |  | 40.568% | 40.568% | 40.568% | [Redacted] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal, Business | 29.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18530.00 |  | 6.750% | $5000.00 | 1 |  |  |  | No | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $206361.78 | 58.130% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.05 |  | No | No |  | $0.00 | $11661.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915785 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $20827.81 | $23225.21 |  | 7.709% | $3214.76 | $3214.76 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4932.36 | 1 | XXXX | $8586.96 | XXXX | $715.58 |  |  |  |  |  | 49.941% | 49.941% | 49.941% | [Redacted] | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $20827.81 |  | 6.670% | $0.00 | 1.1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915787 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5398.75 | $8797.50 |  | 7.848% | $4620.86 | $4620.86 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32191.62 | 1 | XXXX | $4647.12 | XXXX | $387.26 |  |  |  |  |  | 18.171% | 18.171% | 18.171% | [Redacted] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5398.75 |  | 6.750% | $0.00 | 3.2 | DU |  | ApproveEligible | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $71822.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915813 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5028.50 | $8307.10 |  | 6.741% | $3387.24 | $3387.24 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18875.15 | 1 | XXXX | $5136.00 | XXXX | $428.00 |  |  |  |  |  | 19.251% | 19.251% | 19.251% | [Redacted] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5028.50 |  | 6.750% | $0.00 | 2.9 |  |  |  | No | No | 6.625% | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1193203.64 | 99.430% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 116.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915814 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1190.00 | $3054.78 |  | 7.039% | $2292.98 | $2292.98 | 6.990% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25693.63 | 1 | XXXX | $1246.68 | XXXX | $103.89 |  |  |  |  |  | 25.708% | 25.708% | 25.708% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1190.00 |  | 6.750% | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | 6.990% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2780699.46 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 905.07 |  | Yes | No |  | $31853.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915820 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8350.00 | $11983.97 |  | 7.107% | $5051.20 | $5051.20 | 6.990% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6306.55 | 1 | XXXX | $2805.96 | XXXX | $233.83 |  |  |  |  |  | 49.882% | 49.882% | 49.882% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8350.00 |  | 6.790% | $0.00 | 1.4 |  |  |  | No | No | 6.990% | 3 | 0 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $894333.67 | 74.520% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 68.02 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915821 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $25180.00 | $13665.12 |  | 8.578% | $1905.98 | $1905.98 | 7.990% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $67178.74 | 1 | XXXX | $477.96 | XXXX | $39.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $25180.00 |  | 6.790% | $5000.00 | 1 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3824163.97 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1422.2 |  | No | No |  | $77690.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915823 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4104.16 | $5603.04 |  | 7.201% | $1418.33 | $1418.33 | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4594.08 | 1 | XXXX | $1512.00 | XXXX | $126.00 |  |  |  |  |  | 37.057% | 37.057% | 37.057% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4104.16 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1060341.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 587.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915833 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5040.00 | $7732.08 |  | 7.435% | $2353.51 | $2353.51 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7649.08 | 1 | XXXX | $1852.08 | XXXX | $154.34 |  |  |  |  |  | 43.360% | 43.360% | 43.360% | [Redacted] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5040.00 |  | 6.750% | $0.00 | 1.3 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1428003.97 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 240.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915834 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7061.00 | $9060.76 |  | 7.278% | $1850.33 | $1850.33 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11806.48 | 1 | XXXX | $1767.96 | XXXX | $147.33 |  |  |  |  |  | 24.288% | 24.288% | 24.288% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7061.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $10398.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915869 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3074.00 | $18281.38 |  | 7.214% | $4476.95 | $4476.95 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7870.32 | 1 | XXXX | $933.96 | XXXX | $77.83 |  |  |  |  |  | 40.457% | 40.457% | 40.457% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3074.00 |  | 6.750% | $165000.00 | 1.5 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $129447.25 | 15.370% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915950 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1698.45 | $1698.45 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $636.96 | XXXX | $53.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX | $1666504.97 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 832.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223915953 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1585.46 | $1585.46 | 7.625% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | XXXX | $1547.28 | XXXX | $128.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $264612.96 | 82.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 73.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No |
| 223915954 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1490.00 | $22709.31 |  | 7.697% | $14155.87 | $14155.87 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27509.64 | 1 | XXXX | $5052.96 | XXXX | $421.08 |  |  |  |  |  | 40.709% | 40.709% | 40.709% | [Redacted] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1490.00 |  | 6.750% | $0.00 | 3.8 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $153586.77 | 6.080% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 57.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915958 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8502.50 | $11202.12 |  | 7.908% | $2477.28 | $2477.28 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9854.08 | 1 | XXXX | $10733.04 | XXXX | $894.42 |  |  |  |  |  | 40.547% | 40.547% | 40.547% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8502.50 |  | 6.770% | $0.00 | 4.1 |  |  |  | No | No | 7.625% | 2 | 0 | 1 | 0 | 2 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915959 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $2090.96 | $3825.56 |  | 7.104% | $1664.77 | $1664.77 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10743.19 | 1 | XXXX | $1431.24 | XXXX | $119.27 |  |  |  |  |  | 35.541% | 35.541% | 35.541% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2090.96 |  | 6.750% | $6262.00 | 1.2 | DU |  | ApproveEligible | No | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $32457.51 | 10.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.43 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915961 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4015.00 | $8938.70 |  | 7.295% | $7162.85 | $7162.85 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13365.80 | 1 | XXXX | $6549.60 | XXXX | $545.80 |  |  |  |  |  | 43.408% | 43.408% | 43.408% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4015.00 |  | 6.750% | $9700.00 | 2.5 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1294002.84 | 86.260% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915964 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $0.00 | $109.00 |  | 7.385% | $4524.61 | $4524.61 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5626.20 | 1 | XXXX | $3298.68 | XXXX | $274.89 |  |  |  |  |  | 49.890% | 49.890% | 49.890% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country |  |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $53226.55 |  | No | 12 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915969 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2490.87 | $2490.87 | 8.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1074.96 | XXXX | $89.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915982 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1199.51 | $1199.51 | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $660.00 | XXXX | $55.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $56339.02 | 28.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223915989 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4290.00 | $1823.27 |  | 8.095% | $879.68 | $879.68 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2430.37 | 1 | XXXX | $976.92 | XXXX | $81.41 |  |  |  |  |  | 45.972% | 45.972% | 45.972% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4290.00 |  | 6.750% | $9600.00 | 4.7 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $76689.57 | 47.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223915991 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $10802.46 |  | 7.184% | $7259.32 | $7259.32 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22181.22 | 1 | XXXX | $2259.00 | XXXX | $188.25 |  |  |  |  |  | 39.832% | 39.832% | 39.832% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $0.00 | 1.7 | DU |  | ApproveEligible | No | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  |  |  |  |  | XXXX | $457694.44 | 33.900% | No | 30 | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.06 |  | No | No |  | $0.00 | $19313.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223916062 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1036.01 | $1036.01 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1473.48 | XXXX | $122.79 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223916082 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14510.00 | $20175.00 |  | 7.806% | $6624.95 | $6624.95 | 7.625% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $75976.14 | 1 | XXXX | $1836.00 | XXXX | $153.00 |  |  |  |  |  | 23.311% | 23.311% | 23.311% | [Redacted] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14510.00 |  | 6.750% | $0.00 | 2.6 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $717038.68 | 60.500% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 49.13 |  | No | No |  | $99070.39 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223919371 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5608.75 | $8142.10 |  | 7.252% | $1827.74 | $1827.74 | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15730.38 | 1 | XXXX | $2064.72 | XXXX | $172.06 |  |  |  |  |  | 32.189% | 32.189% | 32.189% | [Redacted] | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5608.75 |  | 6.750% | $0.00 | 1.5 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1986895.92 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 641.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223919434 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $12014.66 |  | 7.307% | $7285.64 | $7285.64 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12386.22 | 1 | XXXX | $2754.96 | XXXX | $229.58 |  |  |  |  |  | 49.235% | 49.235% | 49.235% | [Redacted] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.750% | $1482.64 | 2.1 | DU |  | ApproveEligible | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $548593.54 | 41.090% | No | 30 | 16 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.73 |  | Yes | No |  | $0.00 | $10300.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223921972 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4696.00 | $6617.29 |  | 6.915% | $1466.31 | $1466.31 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2622.53 | 1 | XXXX | $822.00 | XXXX | $68.50 |  |  |  |  |  | 49.221% | 49.221% | 49.221% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4696.00 |  | 6.790% | $5000.00 | 2.4 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $294825.83 | 64.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922199 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $33967.00 | $39332.51 |  | 7.543% | $8308.91 | $8308.91 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $57520.51 | 1 | XXXX | $3368.88 | XXXX | $280.74 |  |  |  |  |  | 16.594% | 16.594% | 16.594% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $33967.00 |  | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 133.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922201 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1250.00 | $2702.07 |  | 7.350% | $1309.78 | $1309.78 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15203.06 | 1 | XXXX | $825.36 | XXXX | $68.78 |  |  |  |  |  | 26.716% | 26.716% | 26.716% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1250.00 |  | 6.750% | ($3000.00) | 1 | DU |  | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $137729.87 | 57.380% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.58 |  | No | No |  | $0.00 | $9078.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922267 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8223.13 | $12629.59 |  | 8.214% | $2555.87 | $2555.87 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5631.77 | 1 | XXXX | $2090.04 | XXXX | $174.17 |  |  |  |  |  | 47.327% | 47.327% | 47.327% | [Redacted] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8223.13 |  | 6.830% | $0.00 | 1.1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $100307.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922275 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $16669.80 | $19010.20 |  | 9.305% | $2808.52 | $2808.52 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3817.53 | 1 | XXXX | $1284.00 | XXXX | $107.00 |  |  |  |  |  | 49.232% | 49.232% | 49.232% | [Redacted] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16669.80 |  | 6.790% | $45000.00 | 2 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $132473.36 | 31.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922276 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1595.22 | $3313.42 |  | 9.353% | $1803.43 | $1803.43 | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4511.74 | 1 | XXXX | $1503.00 | XXXX | $125.25 |  |  |  |  |  | 43.359% | 43.359% | 43.359% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1595.22 |  | 6.670% | $4000.00 | 1 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $38288.18 | 14.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922307 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2558.83 | $2558.83 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2391.96 | XXXX | $199.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.4 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 80.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922419 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2838.93 | $2838.93 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 999 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $193880.31 | 35.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223922428 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1219.39 | $1219.39 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1035.96 | XXXX | $86.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXX | $68182.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 168.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223922430 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $2758.00 | $4712.08 |  | 7.490% | $2016.77 | $2016.77 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12666.49 | 1 | XXXX | $2489.16 | XXXX | $207.43 |  |  |  |  |  | 28.972% | 28.972% | 28.972% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2758.00 |  | 6.790% | $500.00 | 1.9 | DU |  | ApproveEligible | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $122697.29 | 33.610% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.89 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922682 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3927.18 | $6696.18 |  | 8.205% | $1031.63 | $1031.63 | 7.750% | No | No | Employed | Non-Employment Income |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $3165.40 | 1 | XXXX | $1742.88 | XXXX | $145.24 |  |  |  |  |  | 45.337% | 45.337% | 45.337% | [Redacted] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3927.18 |  | 6.750% | $0.00 | 2.5 | LP / LPA |  | Accept/Eligible | No | No | 7.750% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $186149.91 | 64.630% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 19.33 |  |  | No |  | $1062.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223922683 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6054.00 | $5988.43 |  | 7.456% | $1691.80 | $1691.80 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6121.58 | 1 | XXXX | $1391.16 | XXXX | $115.93 |  |  |  |  |  | 46.568% | 46.568% | 46.568% | [Redacted] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6054.00 |  | 6.750% | $56265.00 | 1 |  |  |  | No | No | 7.250% | 2 |  | 2 | 0 | 3 | 3 |  |  | 7.07 | No |  |  |  |  |  |  |  |  |  | XXXX | $41702.80 | 13.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922716 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1491.24 | $1491.24 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $782.04 | XXXX | $65.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.2 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $80660.68 | 29.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223922723 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $5105.00 | $10581.01 |  | 7.474% | $5387.27 | $5387.27 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7687.50 | 1 | XXXX | $1113.00 | XXXX | $92.75 |  |  |  |  |  | 49.199% | 49.199% | 49.199% | [Redacted] | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5105.00 |  | 6.790% | $0.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $329078.86 | 33.750% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922725 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2591.48 | $2591.48 | 6.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 3 | XXXX | $5072.04 | XXXX | $422.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.52 | 0.4 |  |  |  |  |  |  |  | XXXX | $766591.66 | 68.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223922726 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9697.40 | $14421.20 |  | 7.151% | $4851.81 | $4851.81 | 6.990% | No | No | Employed | Non-Employment Income | Employed |  | 4.36 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $8499.33 | 1 | XXXX | $2220.00 | XXXX | $185.00 |  |  |  |  |  | 42.783% | 42.783% | 42.783% | [Redacted] | 789 | 777 | 765 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9697.40 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $371907.99 | 37.750% | No | 30 |  | 29 |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 58.1 |  | No | No |  | $1209.30 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922728 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2195.00 | $16128.84 |  | 6.997% | $6569.29 | $6569.29 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20644.32 | 1 | XXXX | $3881.16 | XXXX | $323.43 |  |  |  |  |  | 29.740% | 29.740% | 29.740% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2195.00 |  | 6.750% | $0.00 | 2.1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2072092.41 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 377.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922731 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $786.63 | $786.63 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $219.96 | XXXX | $18.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.15 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223922732 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2075.51 | $2075.51 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2604.00 | XXXX | $217.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | XXXX | $491256.37 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 165.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223922733 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1483.73 | $1483.73 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1149.00 | XXXX | $95.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 123.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922737 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1604.22 | $1604.22 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $621.84 | XXXX | $51.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | XXXX | $303741.48 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 110.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922738 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14305.00 | $15419.17 |  | 7.124% | $4176.42 | $4176.42 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42934.94 | 1 | XXXX | $2630.04 | XXXX | $219.17 |  |  |  |  |  | 20.810% | 20.810% | 20.810% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14305.00 |  | 6.790% | $0.00 | 1.6 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $731682.04 | 57.540% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.7 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922740 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5220.20 | $7878.78 |  | 8.039% | $2836.47 | $2836.47 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5940.28 | 1 | XXXX | $2730.00 | XXXX | $227.50 |  |  |  |  |  | 46.106% | 46.106% | 46.106% | [Redacted] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5220.20 |  | 6.750% | $74000.00 | 4.7 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $74165.43 | 15.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922741 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1690.00 | $3256.30 |  | 7.495% | $6153.09 | $6153.09 | 7.500% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13637.31 | 1 | XXXX | $3696.96 | XXXX | $308.08 |  |  |  |  |  | 44.812% | 44.812% | 44.812% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Other - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.750% | $7000.00 | 1 | DU |  | ApproveEligible | No | No | 7.500% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $455134.47 | 41.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.71 |  | No | No |  | $6007.53 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922742 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $825.07 | $825.07 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $225.96 | XXXX | $18.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | XXXX | $173695.09 | 75.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922745 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6235.00 | $9024.27 |  | 7.904% | $3438.78 | $3438.78 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14055.77 | 2 | XXXX | $2132.04 | XXXX | $177.67 |  |  |  |  |  | 48.177% | 48.177% | 48.177% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6235.00 |  | 6.830% | $0.00 |  |  |  |  | No | No | 7.750% | 2 |  | 2 | 0 | 3 | 3 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | XXXX | $252294.63 | 42.040% | No | 19 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922787 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3115.00 | $4198.42 |  | 7.665% | $1817.96 | $1817.96 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5334.43 | 1 | XXXX | $1308.00 | XXXX | $109.00 |  |  |  |  |  | 24.909% | 24.909% | 24.909% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3115.00 |  | 6.890% | $650.00 | 2.6 | DU |  | ApproveEligible | N/A | No | 7.500% | 2 |  | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $307648.68 | 94.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922792 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5052.50 | $7549.56 |  | 9.176% | $2863.91 | $2863.91 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14053.58 | 1 | XXXX | $1539.00 | XXXX | $128.25 |  |  |  |  |  | 32.583% | 32.583% | 32.583% | [Redacted] | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5052.50 |  | 6.790% | $0.00 | 1.4 |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922814 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $38938.96 | $14904.03 |  | 7.861% | $3907.02 | $3907.02 | 7.625% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18345.18 | 1 | XXXX | $6626.04 | XXXX | $552.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $38938.96 |  | 6.750% | $20000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2813744.93 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | VantageScore 2 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 550.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922832 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1413.89 | $1413.89 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $681.00 | XXXX | $56.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.4 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.28 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223922837 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5236.97 | $6415.99 |  | 8.183% | $1411.33 | $1411.33 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5107.48 | 1 | XXXX | $1916.04 | XXXX | $159.67 |  |  |  |  |  | 46.879% | 46.879% | 46.879% | [Redacted] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5236.97 |  | 6.670% | $0.00 | 4.7 | LP / LPA |  | Accept/Eligible | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $165166.58 | 67.410% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922848 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6310.64 | $6310.64 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2196.96 | XXXX | $183.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.2 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | XXXX | $53426.09 | 4.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223922849 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $20946.50 | $7384.56 |  | 7.437% | $2174.44 | $2174.44 | 7.250% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $6493.61 | 1 | XXXX | $1246.32 | XXXX | $103.86 |  |  |  |  |  | 43.225% | 43.225% | 43.225% | [Redacted] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $20946.50 |  | 6.750% | $0.00 | 1.4 |  |  |  | No | No | 7.250% | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $29917.28 |  | No |  | 7 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.3 |  | No | No |  | $0.00 | $11437.51 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223922881 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8931.00 | $17199.13 |  | 6.923% | $12678.73 | $12678.73 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $58310.59 | 1 | XXXX | $13824.12 | XXXX | $1152.01 |  |  |  |  |  | 23.109% | 23.109% | 23.109% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8931.00 |  | 6.830% | $0.00 | 4 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $143553.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 7.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223923956 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1329.26 | $1329.26 | 6.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1480.08 | XXXX | $123.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.33 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223923998 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9181.87 | $11800.00 |  | 7.249% | $2586.66 | $2586.66 | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4208.91 | 1 | XXXX | $4002.60 | XXXX | $333.55 |  |  |  |  |  | 49.702% | 49.702% | 49.702% | [Redacted] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9181.87 |  | 6.750% | $200000.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $531488.73 | 59.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223924678 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7339.00 | $13584.00 |  | 7.933% | $2097.48 | $2097.48 | 7.500% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19883.34 | 1 | XXXX | $7737.96 | XXXX | $644.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7339.00 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1260223.40 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 271.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223925684 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2840.02 | $2840.02 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $3381.00 | XXXX | $281.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.78 | 0.36 |  |  |  |  |  |  |  | XXXX | $77624.52 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223925685 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10377.50 | $15746.00 |  | 8.061% | $6214.27 | $6711.38 | 8.305% | No | No | Not Employed | Self-Employed | Self-Employed |  | 27.59 |  |  | US Citizen | US Citizen |  |  |  |  |  | $19815.98 | 1 | XXXX | $9611.76 | XXXX | $800.98 |  |  |  |  |  | 43.924% | 45.722% | 43.924% | [Redacted] | 742 | 722 | 776 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10377.50 |  | 6.770% | $0.00 | 2.5 |  |  |  | Yes | No | 8.305% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1015854.79 | 85.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 43.61 |  | No | No |  | $35337.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223925707 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2950.94 | $4559.67 |  | 7.398% | $5309.57 | $5309.57 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9188.23 | 1 | XXXX | $2339.04 | XXXX | $194.92 |  |  |  |  |  | 48.073% | 48.073% | 48.073% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2950.94 |  | 6.750% | $235000.00 | 1.5 |  |  |  | No | No | 7.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $256494.75 | 25.020% | No | 37 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.19 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223925712 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12590.00 | $20659.80 |  | 7.509% | $7597.43 | $7597.43 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12398.77 | 2 | XXXX | $4572.00 | XXXX | $381.00 |  |  |  |  |  | 41.882% | 41.882% | 41.882% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12590.00 |  | 6.750% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 7.375% | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $639208.41 | 46.480% | No | 18 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223925784 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10855.80 | $14736.82 |  | 8.916% | $6018.26 | $6018.26 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24614.34 | 1 | XXXX | $5846.04 | XXXX | $487.17 |  |  |  |  |  | 33.703% | 33.703% | 33.703% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10855.80 |  | 6.750% | $75000.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $162925.41 | 18.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223925789 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9309.48 | $10953.60 |  | 8.805% | $1487.51 | $1487.51 | 8.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2871.89 | 1 | XXXX | $1119.96 | XXXX | $93.33 |  |  |  |  |  | 47.704% | 47.704% | 47.704% | [Redacted] | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9309.48 |  | 6.770% | $0.00 |  |  |  |  | N/A | No | 8.250% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223925790 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7933.00 | $10273.16 |  | 7.569% | $3066.60 | $3066.60 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12108.24 | 1 | XXXX | $1170.00 | XXXX | $97.50 |  |  |  |  |  | 36.259% | 36.259% | 36.259% | [Redacted] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7933.00 |  | 6.750% | $350.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $96190.75 | 17.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223926402 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $18352.00 | $25854.62 |  | 7.797% | $9017.29 | $9017.29 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14723.31 | 1 | XXXX | $5836.92 | XXXX | $486.41 |  |  |  |  |  | 44.554% | 44.554% | 44.554% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18352.00 |  | 6.750% | $0.00 | 1.7 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $36904.12 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223926403 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $44340.00 | $55643.22 |  | 6.908% | $18485.05 | $18485.05 | 6.750% | No | No | Not Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $26717.35 | 1 | XXXX | $4739.76 | XXXX | $394.98 |  |  |  |  |  | 49.802% | 49.802% | 49.802% | [Redacted] | 710 | 798 | 803 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Non-Primary Income - Alimony]; Divorce Decree - 2018<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $44340.00 |  | 6.750% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1855116.75 | 31.490% | No |  | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 55.49 |  | No | No |  | $11103.22 | $42120.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223926404 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $36518.65 | $13187.54 |  | 8.973% | $4145.91 | $4145.91 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $157422.54 | 1 | XXXX | $1467.00 | XXXX | $122.25 |  |  |  |  |  | 13.933% | 13.933% | 13.933% | [Redacted] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2009 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $36518.65 |  | 6.750% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $20000.00 | 3.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.17 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223926413 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4418.15 | $4418.15 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $992.04 | XXXX | $82.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.9 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.26 | 0.31 |  |  |  |  |  |  |  | XXXX | $301208.56 | 32.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223926543 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $7842.00 | $9672.25 |  | 7.803% | $1439.37 | $1439.37 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $931092.87 | 1 | XXXX | $4998.96 | XXXX | $416.58 |  |  |  |  |  | 1.209% | 1.209% | 1.209% | [Redacted] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7842.00 |  | 6.790% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 74.6 |  | No | No |  | $942489.85 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223926556 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4011.91 | $4011.91 | 7.750% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 2 | XXXX | $6974.04 | XXXX | $581.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | 813 | 812 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | XXXX | $311864.28 | 38.980% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 6.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223926569 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1690.00 | $6050.13 |  | 6.912% | $5534.63 | $5534.63 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13129.83 | 1 | XXXX | $1674.12 | XXXX | $139.51 |  |  |  |  |  | 36.273% | 36.273% | 36.273% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $956702.21 | 57.450% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.55 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223928457 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7749.40 | $9378.65 |  | 10.264% | $2077.09 | $2077.09 | 9.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $3208.36 | 1 | XXXX | $1635.00 | XXXX | $136.25 |  |  |  |  |  | 42.644% | 42.644% | 42.644% | [Redacted] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7749.40 |  | 6.750% | $8940.00 | 2.8 |  |  |  | No | No | 9.875% | 0 |  | 1 | 0 | 2 | 1 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | XXXX | $125436.50 | 41.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 24.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223928461 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1600.00 | $3633.90 |  | 6.833% | $1816.07 | $1816.07 | 6.750% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10356.29 | 1 | XXXX | $1338.96 | XXXX | $111.58 |  |  |  |  |  | 31.441% | 31.441% | 31.441% | [Redacted] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1600.00 |  | 6.750% | $6000.00 | 2.9 | DU |  | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $9032.60 | 1.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 57.31 |  |  | No |  | $11755.60 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223928465 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $9624.95 |  | 7.079% | $3780.43 | $4313.46 | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11706.05 | 1 | XXXX | $1778.16 | XXXX | $148.18 |  |  |  |  |  | 46.510% | 44.074% | 46.510% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 32.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.790% | $1000.00 | 1.3 |  |  |  | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  | 360 | XXXX | $1527901.60 | 100.000% | No |  | 20 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.4 |  |  | No |  | $2489.96 | $9330.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223928478 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2161.75 | $3986.75 |  | 9.342% | $2587.31 | $2587.31 | 9.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4211.23 | 1 | XXXX | $6275.76 | XXXX | $522.98 |  |  |  |  |  | 49.465% | 49.465% | 49.465% | [Redacted] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2161.75 |  | 6.750% | $5000.00 | 1 |  |  |  | Yes | No | 9.250% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $121347.06 | 32.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.13 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223928480 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10935.00 | $12885.78 |  | 9.121% | $2084.48 | $2084.48 | 8.625% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $3496.84 | 1 | XXXX | $1416.96 | XXXX | $118.08 |  |  |  |  |  | 44.532% | 44.532% | 44.532% | [Redacted] | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10935.00 |  | 6.830% | $0.00 | 2.5 | DU |  | ApproveEligible | Yes | No | 8.625% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $6652.03 |  | No | 5 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 30.18 |  |  | No |  | $0.00 | $1088.28 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No |
| 223930289 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6943.50 | $9878.56 |  | 8.200% | $2011.52 | $2011.52 | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7402.21 | 1 | XXXX | $1693.08 | XXXX | $141.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6943.50 |  | 6.750% | $0.00 | 1.8 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $703000.51 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 211.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932039 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3468.19 | $3468.19 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2811.36 | XXXX | $234.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932041 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1006.03 | $1006.03 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $755.04 | XXXX | $62.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | XXXX | $682341.02 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 461.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932042 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3201.55 | $3201.55 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | XXXX | $8163.00 | XXXX | $680.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.48 | 0.4 |  |  |  |  |  |  |  | XXXX | $51479.08 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.26 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223932048 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4042.31 | $4042.31 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | XXXX | $4085.88 | XXXX | $340.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $71802.23 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.29 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223932049 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $923.67 | $923.67 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1635.96 | XXXX | $136.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | XXXX | $20755.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223932063 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12196.84 | $23478.38 |  | 8.049% | $5042.97 | $5042.97 | 7.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15178.56 | 1 | XXXX | $4970.64 | XXXX | $414.22 |  |  |  |  |  | 37.278% | 37.278% | 37.278% | [Redacted] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 48.000% |  | 50.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12196.84 |  | 6.670% | $10000.00 | 3.7 |  |  |  | No | No | 7.750% | 2 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $88342.37 | 10.040% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.68 |  | Yes | No |  | $11633.74 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932065 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3282.50 | $5494.83 |  | 7.517% | $875.83 | $875.83 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2690.58 | 1 | XXXX | $2423.28 | XXXX | $201.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3282.50 |  | 6.770% | $1500.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $485913.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 118.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932067 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1824.95 | $1824.95 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | XXXX | $1026.96 | XXXX | $85.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 124.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932071 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5400.00 | $10218.00 |  | 7.650% | $3775.76 | $3775.76 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6480.35 | 1 | XXXX | $4584.96 | XXXX | $382.08 |  |  |  |  |  | 45.744% | 45.744% | 45.744% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5400.00 |  | 6.750% | $17375.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $118400.00 | 16.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932072 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12490.00 | $17878.68 |  | 9.051% | $7001.68 | $7001.68 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26472.44 | 1 | XXXX | $4970.04 | XXXX | $414.17 |  |  |  |  |  | 26.312% | 26.312% | 26.312% | [Redacted] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12490.00 |  | 6.750% | $0.00 | 4.2 | DU |  | ApproveEligible | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $215822.73 | 22.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932078 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3073.83 | $3073.83 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $6071.04 | XXXX | $505.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | XXXX | $142015.25 | 22.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223932079 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11315.00 | $15612.94 |  | 7.106% | $5606.56 | $7456.48 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9169.28 | 1 | XXXX | $2831.04 | XXXX | $235.92 |  |  |  |  |  | 48.626% | 38.261% | 48.626% | [Redacted] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11315.00 |  | 6.830% | $384064.51 | 1 |  |  |  | Yes | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $652729.53 | 47.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932081 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1364.35 | $1364.35 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $980.88 | XXXX | $81.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223932091 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7877.96 | $13937.91 |  | 8.369% | $2574.53 | $2574.53 | 7.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4250.71 | 1 | XXXX | $1473.00 | XXXX | $122.75 |  |  |  |  |  | 42.746% | 42.746% | 42.746% | [Redacted] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7877.96 |  | 6.750% | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $135540.51 | 30.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 23.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223932092 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3100.00 | $5603.82 |  | 6.952% | $3284.64 | $3284.64 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23780.36 | 1 | XXXX | $2508.00 | XXXX | $209.00 |  |  |  |  |  | 30.932% | 30.932% | 30.932% | [Redacted] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3100.00 |  | 6.750% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 |  | 2 | 0 | 2 | 2 |  |  | 7.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1396530.97 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932097 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4394.91 | $4394.91 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2109.96 | XXXX | $175.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | XXXX | $319261.46 | 40.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932098 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3225.00 | $13040.60 |  | 7.558% | $9089.79 | $9089.79 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14524.29 | 1 | XXXX | $3396.12 | XXXX | $283.01 |  |  |  |  |  | 49.855% | 49.855% | 49.855% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3225.00 |  | 6.750% | $23000.00 | 1.1 |  |  |  | Yes | No | 7.500% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $374362.37 | 23.030% | No | 13 | 30 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.84 |  | No | No |  | $0.00 | $13130.95 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932099 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8656.25 | $10493.05 |  | 9.198% | $2506.28 | $2506.28 | 8.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5724.80 | 1 | XXXX | $356.04 | XXXX | $29.67 |  |  |  |  |  | 46.846% | 46.846% | 46.846% | [Redacted] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8656.25 |  | 6.750% | $0.00 | 1.7 | DU |  | ApproveEligible | No | No | 8.875% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223932102 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1319.52 | $1319.52 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3419.04 | XXXX | $284.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | XXXX | $36255.12 | 16.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223932731 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6412.48 | $10909.16 |  | 6.955% | $1856.90 | $1856.90 | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14198.76 | 1 | XXXX | $687.00 | XXXX | $57.25 |  |  |  |  |  | 26.622% | 26.622% | 26.622% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6412.48 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1898665.85 | 100.000% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 444.61 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223933085 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $16955.00 | $19888.16 |  | 8.075% | $2972.73 | $2972.73 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35756.86 | 1 | XXXX | $831.96 | XXXX | $69.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16955.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3989287.95 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1036.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223933165 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $7158.36 | $7158.36 | 6.625% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | N/A |  |  |  |  |  |  | 1 | XXXX | $2331.84 | XXXX | $194.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | XXXX | $2363029.82 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 65.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223933933 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $8913.24 |  | 7.039% | $5833.33 | $7752.99 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $84099.18 | 1 | XXXX | $10767.24 | XXXX | $897.27 |  |  |  |  |  | 21.647% | 19.858% | 21.647% | [Redacted] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.670% | $0.00 | 2.1 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $2564892.84 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 242.27 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934005 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5910.00 | $10431.50 |  | 7.313% | $7367.50 | $7367.50 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17410.75 | 1 | XXXX | $4158.84 | XXXX | $346.57 |  |  |  |  |  | 47.172% | 47.172% | 47.172% | [Redacted] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5910.00 |  | 6.670% | $0.00 | 2.6 |  |  |  | No | No | 7.250% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $460999.18 | 34.140% | No | 29 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.55 |  | No | No |  | $0.00 | $6415.43 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934011 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2261.00 | $4328.00 |  | 8.103% | $1964.62 | $1964.62 | 7.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10508.86 | 1 | XXXX | $1845.96 | XXXX | $153.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2261.00 |  | 6.790% | $0.00 | 1.8 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $830592.78 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 289.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934013 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $77059.06 | $14535.04 |  | 6.932% | $9730.76 | $9730.76 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25587.63 | 3 | XXXX | $4091.04 | XXXX | $340.92 |  |  |  |  |  | 38.526% | 38.526% | 38.526% | [Redacted] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Cross Country | $77059.06 |  | 6.750% | $0.00 |  |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2626927.67 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 171.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934587 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11440.00 | $16702.28 |  | 7.176% | $5077.78 | $5077.78 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15369.89 | 1 | XXXX | $4607.40 | XXXX | $383.95 |  |  |  |  |  | 37.253% | 37.253% | 37.253% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11440.00 |  | 6.670% | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.81 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934592 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5109.55 | $22016.95 |  | 8.032% | $8320.17 | $8320.17 | 7.875% | No | No | Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $12249.09 | 1 | XXXX | $3407.16 | XXXX | $283.93 |  |  |  |  |  | 45.950% | 45.950% | 45.950% | [Redacted] | 741 | 683 | 693 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5109.55 |  | 6.790% | $8250.00 | 1 |  |  |  | Yes | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $522690.42 | 38.710% | No | 31 | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 27.29 |  | No | No |  | $5044.66 | $6928.49 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934603 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1390.00 | $5190.36 |  | 7.036% | $7356.83 | $7356.83 | 6.990% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $70568.10 | 1 | XXXX | $6309.36 | XXXX | $525.78 |  |  |  |  |  | 19.733% | 19.733% | 19.733% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1390.00 |  | 5.850% | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1097241.12 | 87.080% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 60.89 |  |  | No |  | $0.00 | $87916.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934604 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8985.00 | $12436.84 |  | 7.778% | $2880.76 | $2880.76 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5693.50 | 1 | XXXX | $2642.88 | XXXX | $220.24 |  |  |  |  |  | 48.425% | 48.425% | 48.425% | [Redacted] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8985.00 |  | 6.750% | $7500.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $155202.42 | 30.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934657 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $158600.00 | $17987.44 |  | 7.880% | $22839.69 | $22839.69 | 7.875% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $84963.82 | 1 | XXXX | $15686.76 | XXXX | $1307.23 |  |  |  |  |  | 44.963% | 44.963% | 44.963% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $158600.00 |  | 6.750% | $0.00 | 5 |  |  |  | No | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $3958731.40 |  | No |  | 25 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 146.33 |  | No | No |  | $0.00 | $154374.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934659 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2879.47 | $2879.47 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3189.84 | XXXX | $265.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | XXXX | $272530.78 | 43.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934661 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4640.00 | $10712.35 |  | 7.430% | $7597.43 | $7597.43 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16883.49 | 1 | XXXX | $1593.00 | XXXX | $132.75 |  |  |  |  |  | 37.072% | 37.072% | 37.072% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4640.00 |  | 6.750% | $0.00 | 1.1 |  |  |  | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $678348.39 | 49.330% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 50.34 |  | Yes | No |  | $0.00 | $18508.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934664 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $5525.72 |  | 7.187% | $3896.79 | $3896.79 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14902.03 | 1 | XXXX | $1661.04 | XXXX | $138.42 |  |  |  |  |  | 31.512% | 31.512% | 31.512% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.790% | $114441.80 | 1.5 |  |  |  | Yes | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $349484.43 | 41.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.48 |  | Yes | No |  | $0.00 | $8550.19 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934668 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13447.50 | $16519.51 |  | 6.679% | $4866.92 | $4866.92 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $102766.38 | 1 | XXXX | $16562.76 | XXXX | $1380.23 |  |  |  |  |  | 18.150% | 18.150% | 18.150% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13447.50 |  | 6.750% | $0.00 | 2.1 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934691 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $1895.00 | $3777.23 |  | 7.188% | $2627.50 | $2627.50 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49537.81 | 1 | XXXX | $2885.04 | XXXX | $240.42 |  |  |  |  |  | 12.589% | 12.589% | 12.589% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1895.00 |  | 6.630% | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | 7.125% | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $423129.98 | 81.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934692 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4145.00 | $10895.97 |  | 7.004% | $4270.04 | $4270.04 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10918.45 | 1 | XXXX | $2656.92 | XXXX | $221.41 |  |  |  |  |  | 49.519% | 49.519% | 49.519% | [Redacted] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4145.00 |  | 6.750% | $0.00 | 1.3 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  | Other |  |  |  |  | XXXX | $1576761.38 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 137.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934695 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1701.69 | $3062.65 |  | 7.138% | $1125.58 | $1125.58 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4118.23 | 1 | XXXX | $1430.04 | XXXX | $119.17 |  |  |  |  |  | 44.303% | 44.303% | 44.303% | [Redacted] | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1701.69 |  | 6.670% | $0.00 | 3 | DU |  | ApproveEligible | No | No | 6.990% | 2 |  | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $738443.01 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.8 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934697 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6385.88 | $8817.04 |  | 7.249% | $2023.80 | $2023.80 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3615.24 | 1 | XXXX | $1779.00 | XXXX | $148.25 |  |  |  |  |  | 49.605% | 49.605% | 49.605% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6385.88 |  | 6.750% | $5000.00 | 1.8 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $236096.73 | 54.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934698 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2711.65 | $2711.65 | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | XXXX | $3870.24 | XXXX | $322.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.15 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223934700 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $7574.88 | $10903.04 |  | 8.868% | $3210.33 | $3210.33 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4967.49 | 1 | XXXX | $2991.00 | XXXX | $249.25 |  |  |  |  |  | 43.042% | 43.042% | 43.042% | [Redacted] | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7574.88 |  | 6.630% | $0.00 | 1.7 |  |  |  | No | No | 8.625% | 0 |  | 2 | 0 | 3 | 2 |  |  | 7.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $7000.00 | 1.100% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934701 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3763.88 | $3763.88 | 7.990% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | XXXX | $1611.48 | XXXX | $134.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | XXXX | $249315.55 | 36.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No |
| 223934703 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1492.04 | $1492.04 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $873.36 | XXXX | $72.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $56388.67 | 24.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223934704 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2011.12 | $2011.12 | 7.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1617.24 | XXXX | $134.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | XXXX | $204400.00 | 46.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223934705 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1049.83 | $1049.83 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1856.04 | XXXX | $154.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | XXXX | $96544.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223934706 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8790.00 | $11054.34 |  | 8.175% | $1415.59 | $1415.59 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3726.68 | 1 | XXXX | $932.76 | XXXX | $77.73 |  |  |  |  |  | 42.298% | 42.298% | 42.298% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2005 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8790.00 |  | 6.830% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $80114.99 | 32.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934707 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $5758.00 | $5758.00 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | XXXX | $3153.60 | XXXX | $262.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | XXXX | $1727864.10 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 165.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223934708 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6608.75 | $8282.96 |  | 8.222% | $2382.47 | $2382.47 | 7.990% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $17141.54 | 1 | XXXX | $779.04 | XXXX | $64.92 |  |  |  |  |  | 33.182% | 33.182% | 33.182% | [Redacted] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6608.75 |  | 6.830% | $0.00 |  |  |  |  | Yes | No | 7.990% | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 87.94 |  | No | No |  | $25654.06 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934818 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1168.45 | $1168.45 | 9.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1635.00 | XXXX | $136.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX | $48912.43 | 28.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934914 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4849.40 | $7158.26 |  | 8.182% | $2985.05 | $2985.05 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6207.65 | 1 | XXXX | $3446.76 | XXXX | $287.23 |  |  |  |  |  | 46.520% | 46.520% | 46.520% | [Redacted] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4849.40 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $119798.53 | 23.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934925 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1984.88 | $1984.88 | 7.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $2183.04 | XXXX | $181.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XXXX | $56337.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223934944 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1125.00 | $3577.11 |  | 9.557% | $925.51 | $925.51 | 9.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5300.65 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 47.300% | 47.300% | 47.300% | [Redacted] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1125.00 |  | 6.790% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 9.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $99014.07 | 66.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.7 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934949 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3080.00 | $5880.12 |  | 8.205% | $3860.99 | $3860.99 | 8.125% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11952.92 | 1 | XXXX | $1848.00 | XXXX | $154.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3080.00 |  | 6.770% | $0.00 | 1.6 |  |  |  | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1033233.06 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 209.26 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223934995 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1021.12 | $1021.12 | 8.500% | No | No |  |  |  |  | 0 | 0 |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  | 1 | XXXX | $954.72 | XXXX | $79.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | 780 | 777 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.3 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $42794.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 33.56 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223935000 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15078.40 | $17525.84 |  | 9.440% | $2546.06 | $2546.06 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3204.17 | 1 | XXXX | $3759.96 | XXXX | $313.33 |  |  |  |  |  | 49.777% | 49.777% | 49.777% | [Redacted] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15078.40 |  | 6.790% | $0.00 | 2.7 |  |  |  | Yes | No | 8.875% | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223935016 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1206.15 | $1206.15 | 7.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1232.40 | XXXX | $102.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | XXXX | $118554.37 | 45.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223935017 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11945.00 | $16264.52 |  | 7.807% | $6238.70 | $7734.48 | 8.564% | No | No | Non-Employment Income | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Mexico | Mexico |  |  | $15776.78 | 1 | XXXX | $4255.20 | XXXX | $354.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11945.00 |  | 6.760% | $0.00 | 1.6 |  |  |  | No | No | 8.564% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3397636.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Passport | Passport |  |  | No | 158.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223935021 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $921.44 | $921.44 | 9.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1043.04 | XXXX | $86.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $27203.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223935023 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2095.07 | $2095.07 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1359.00 | XXXX | $113.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.8 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | XXXX | $100687.71 | 27.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223935024 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8795.25 | $12263.39 |  | 7.831% | $1788.85 | $1788.85 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40433.88 | 1 | XXXX | $2019.00 | XXXX | $168.25 |  |  |  |  |  | 12.021% | 12.021% | 12.021% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8795.25 |  | 6.750% | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $78137.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.36 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223935029 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $995.57 | $995.57 | 8.625% | No | No |  |  |  |  | 0 | 0 |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | XXXX | $1055.64 | XXXX | $87.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $42794.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223935031 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2667.93 | $2667.93 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3047.04 | XXXX | $253.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223935076 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3538.00 | $7786.82 |  | 8.282% | $3059.09 | $3059.09 | 8.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28873.29 | 1 | XXXX | $1289.52 | XXXX | $107.46 |  |  |  |  |  | 39.891% | 39.891% | 39.891% | [Redacted] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3538.00 |  | 6.790% | $0.00 |  |  |  |  | No | No | 8.125% | 0 | 0 | 1 | 0 | 3 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | XXXX | $412133.03 | 80.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 67.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223935249 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3260.00 | $7556.07 |  | 7.712% | $5010.02 | $6126.32 | 8.556% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $20925.08 | 1 | XXXX | $1875.96 | XXXX | $156.33 |  |  |  |  |  | 37.012% | 36.556% | 37.012% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3260.00 |  | 6.760% | $1446.56 | 1.1 |  |  |  | No | No | 8.556% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $63265.53 | 6.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 30.66 |  |  | No |  | $16610.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223938848 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7070.00 | $9346.60 |  | 7.124% | $3642.18 | $3642.18 | 6.990% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10725.43 | 1 | XXXX | $5309.76 | XXXX | $442.48 |  |  |  |  |  | 40.507% | 40.507% | 40.507% | [Redacted] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7070.00 |  | 6.790% | $0.00 | 4.1 |  |  |  | No | No | 6.990% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $298585.49 | 43.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.2 |  | Yes | No |  | $11402.03 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223938919 | [Redacted] | [Redacted] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2290.00 | $3586.30 |  | 6.114% | $1438.92 | $1438.92 | 6.000% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16863.03 | 1 | XXXX | $2294.88 | XXXX | $191.24 |  |  |  |  |  | 31.579% | 31.579% | 31.579% | [Redacted] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2290.00 |  | 6.750% | $3043.60 | 1.6 |  |  |  | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | $22781.07 | 7.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.83 |  | No | No |  | $24646.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223938946 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5317.34 | $3488.11 |  | 7.026% | $3083.36 | $3083.36 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9796.13 | 1 | XXXX | $1359.00 | XXXX | $113.25 |  |  |  |  |  | 48.840% | 48.840% | 48.840% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5317.34 |  | 6.790% | $20000.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $54661.96 | 9.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223938950 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2337.29 | $2337.29 | 7.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $2335.68 | XXXX | $194.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | XXXX | $43500.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223939017 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1662.30 | $1662.30 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1563.00 | XXXX | $130.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $119457.48 | 42.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.9 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223939653 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3500.00 | $5133.54 |  | 7.426% | $1029.44 | $1029.44 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29841.17 | 1 | XXXX | $585.96 | XXXX | $48.83 |  |  |  |  |  | 22.642% | 22.642% | 22.642% | [Redacted] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3500.00 |  | 6.750% | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | 7.125% | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $126303.64 | 66.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.25 |  | No | No |  | $0.00 | $26162.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223939657 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $6349.62 |  | 7.401% | $8149.97 | $8149.97 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $357141.62 | 1 | XXXX | $2201.16 | XXXX | $183.43 |  |  |  |  |  | 8.914% | 8.914% | 8.914% | [Redacted] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $0.00 | 3.4 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $717429.81 | 48.630% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 90.27 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223939707 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4078.18 | $4078.18 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $6855.96 | XXXX | $571.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXX | $467309.29 | 61.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223939774 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $10688.52 |  | 8.096% | $12853.53 | $14045.82 | 8.564% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25259.50 | 1 | XXXX | $5620.92 | XXXX | $468.41 |  |  |  |  |  | 43.444% | 40.774% | 43.444% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.630% | $0.00 | 2.6 |  |  |  | Yes | No | 8.564% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1756152.84 | 77.360% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.59 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223939814 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5769.39 | $7553.84 |  | 8.211% | $1542.95 | $1542.95 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27094.55 | 1 | XXXX | $1067.04 | XXXX | $88.92 |  |  |  |  |  | 10.622% | 10.622% | 10.622% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5769.39 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $102388.83 | 38.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223940035 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15148.76 | $18839.67 |  | 8.473% | $3856.16 | $3856.16 | 8.125% | No | Yes | Self-Employed | Employed | Self-Employed |  | 5.02 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $14122.16 | 1 | XXXX | $4257.96 | XXXX | $354.83 |  |  |  |  |  | 40.253% | 40.253% | 40.253% | [Redacted] | 657 | 672 | 657 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15148.76 |  | 6.920% | $96142.00 | 1.1 |  |  |  | Yes | No | 8.125% | 0 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $27951.77 | 3.490% | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 10.23 |  | Yes | No |  | $17055.71 | $3362.56 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223940970 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $19144.11 | $13499.30 |  | 8.253% | $3467.81 | $3467.81 | 7.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Brazil |  |  |  | $6920.14 | 1 | XXXX | $1053.24 | XXXX | $87.77 |  |  |  |  |  | 38.853% | 38.853% | 38.853% | [Redacted] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $19144.11 |  | 6.790% | $30000.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $25000.00 | 4.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223940971 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4059.80 | $10022.68 |  | 7.016% | $1536.75 | $1536.75 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5938.66 | 1 | XXXX | $3802.32 | XXXX | $316.86 |  |  |  |  |  | 39.074% | 39.074% | 39.074% | [Redacted] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4059.80 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 2 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223940981 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $33570.32 | $17394.25 |  | 8.801% | $3129.60 | $3129.60 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Guatemala |  |  |  | $9906.54 | 1 | XXXX | $1251.96 | XXXX | $104.33 |  |  |  |  |  | 47.039% | 47.039% | 47.039% | [Redacted] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $33570.32 |  | 6.750% | $5000.00 | 2.8 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $168604.49 | 30.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 32.54 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223941043 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $16902.50 | $28033.12 |  | 7.732% | $7761.28 | $7761.28 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17803.81 | 1 | XXXX | $3624.96 | XXXX | $302.08 |  |  |  |  |  | 40.987% | 40.987% | 40.987% | [Redacted] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16902.50 |  | 6.790% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $16997.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941044 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3456.25 | $3050.69 |  | 7.255% | $1313.75 | $1313.75 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2924.00 | 1 | XXXX | $756.24 | XXXX | $63.02 |  |  |  |  |  | 34.390% | 34.390% | 34.390% | [Redacted] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3456.25 |  | 6.750% | $8570.00 | 1.1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 7.23 | No |  |  |  |  |  |  |  |  |  | XXXX | $201337.91 | 77.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941060 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6930.00 | $8170.66 |  | 10.284% | $1889.53 | $1889.53 | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4472.19 | 1 | XXXX | $967.20 | XXXX | $80.60 |  |  |  |  |  | 43.295% | 43.295% | 43.295% | [Redacted] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6930.00 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 9.875% | 2 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $720.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941062 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7823.13 | $9916.25 |  | 7.935% | $1184.51 | $1184.51 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50934.31 | 1 | XXXX | $2160.96 | XXXX | $180.08 |  |  |  |  |  | 14.917% | 14.917% | 14.917% | [Redacted] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% | 40.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7823.13 |  | 6.750% | $0.00 | 2.7 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1000.00 | 0.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.79 |  | No | No |  | $23945.78 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941063 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15209.65 | $18123.42 |  | 8.536% | $3304.11 | $3304.11 | 8.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11356.22 | 1 | XXXX | $1785.00 | XXXX | $148.75 |  |  |  |  |  | 39.746% | 39.746% | 39.746% | [Redacted] | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15209.65 |  | 6.770% | $0.00 | 2.5 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $15627.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.36 |  |  | No |  | $9319.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941066 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1339.36 | $1339.36 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2121.00 | XXXX | $176.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | XXXX | $29289.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223941068 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1139.49 | $1139.49 | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1083.36 | XXXX | $90.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | 709 | 748 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | XXXX | $98997.50 | 43.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 33.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223941072 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2969.90 | $2969.90 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | XXXX | $2016.96 | XXXX | $168.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223941110 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1673.54 | $1673.54 | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1108.68 | XXXX | $92.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXX | $205697.65 | 70.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223941111 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $14790.00 | $7858.57 |  | 8.235% | $1155.21 | $1155.21 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $10356.47 | 1 | XXXX | $542.88 | XXXX | $45.24 |  |  |  |  |  | 37.119% | 37.119% | 37.119% | [Redacted] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14790.00 |  | 6.750% | $0.00 | 2 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2000.00 | 0.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.97 |  | No | No |  | $16435.96 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941120 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13230.00 | $15186.24 |  | 9.014% | $3017.82 | $3017.82 | 8.625% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7124.10 | 1 | XXXX | $4658.04 | XXXX | $388.17 |  |  |  |  |  | 43.384% | 43.384% | 43.384% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 0 |  |  | Cross Country | $13230.00 |  | 6.630% | $10000.00 | 4.2 |  |  |  | No | No | 8.625% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $360926.25 | 74.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 93.81 |  | Yes | No |  | $6317.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941428 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3069.79 | $3069.79 | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | XXXX | $2013.00 | XXXX | $167.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | 805 | 806 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | XXXX | $225183.30 | 37.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 12.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223941443 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1072.11 | $1072.11 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1601.04 | XXXX | $133.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223941512 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8710.00 | $8739.25 |  | 8.344% | $5198.76 | $5198.76 | 8.250% | No | No | Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $12986.28 | 1 | XXXX | $4540.20 | XXXX | $378.35 |  |  |  |  |  | 42.028% | 42.028% | 42.028% | [Redacted] | 648 | 802 | 809 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8710.00 |  | 6.750% | $12371.00 | 1.4 |  |  |  | Yes | No | 8.250% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $440401.34 | 50.910% | No | 4 | 6 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 43.62 |  | No | No |  | $4839.99 | $8560.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941519 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4557.40 | $7616.16 |  | 7.199% | $4792.20 | $4792.20 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15306.93 | 1 | XXXX | $4467.96 | XXXX | $372.33 |  |  |  |  |  | 48.546% | 48.546% | 48.546% | [Redacted] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4557.40 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $675855.02 | 73.540% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 115.92 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223941593 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9070.00 | $13020.32 |  | 8.432% | $2969.99 | $2969.99 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $24931.02 | 1 | XXXX | $2118.96 | XXXX | $176.58 |  |  |  |  |  | 12.585% | 12.585% | 12.585% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9070.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $122461.78 | 24.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 14.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223941725 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $38314.25 | $7613.03 |  | 7.075% | $4486.26 | $4486.26 | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43431.89 | 1 | XXXX | $8684.04 | XXXX | $723.67 |  |  |  |  |  | 37.669% | 37.669% | 37.669% | [Redacted] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $38314.25 |  | 6.790% | $0.00 | 1.2 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $281517.15 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Score 10T | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.97 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223942169 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $27736.25 | $3605.12 |  | 7.915% | $3806.07 | $3806.07 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $107541.45 | 1 | XXXX | $941.04 | XXXX | $78.42 |  |  |  |  |  | 9.527% | 9.527% | 9.527% | [Redacted] | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $27736.25 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $20000.00 | 2.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 67.05 |  | No | No |  | $118865.87 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223942317 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4996.56 | $11144.83 |  | 7.195% | $3103.00 | $3103.00 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24897.49 | 1 | XXXX | $834.96 | XXXX | $69.58 |  |  |  |  |  | 32.710% | 32.710% | 32.710% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4996.56 |  | 6.750% | $500.00 | 1.2 |  |  |  | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $324875.13 | 52.180% | No |  | 19 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.55 |  | Yes | No |  | $0.00 | $12416.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223942435 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $42940.00 | $54480.48 |  | 7.019% | $19707.86 | $19707.86 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $301657.41 | 1 | XXXX | $17710.20 | XXXX | $1475.85 |  |  |  |  |  | 15.925% | 15.925% | 15.925% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 52.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $42940.00 |  | 6.750% | $0.00 | 2.1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $8175832.92 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 213.45 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223942440 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1690.00 | $7143.79 |  | 6.974% | $3435.74 | $3435.74 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10467.50 | 1 | XXXX | $2814.00 | XXXX | $234.50 |  |  |  |  |  | 31.066% | 31.066% | 31.066% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $564755.90 | 65.130% | No | 30 | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.18 |  | Yes | No |  | $0.00 | $8317.89 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223942459 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $21240.00 | $13489.93 |  | 8.524% | $9616.21 | $9900.14 | 8.564% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $255107.15 | 1 | XXXX | $5685.96 | XXXX | $473.83 |  |  |  |  |  | 19.494% | 19.935% | 19.494% | [Redacted] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $21240.00 |  | 6.770% | $205000.00 | 1 |  |  |  | No | No | 8.564% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $48000.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.14 |  | No | No |  | $316877.97 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223942462 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $7190.00 | $8993.40 |  | 7.702% | $2657.02 | $2657.02 | 7.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13198.44 | 2 | XXXX | $3684.96 | XXXX | $307.08 |  |  |  |  |  | 29.320% | 29.320% | 29.320% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7190.00 |  | 6.750% | $9500.00 |  |  |  |  | N/A | No | 7.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $312505.74 | 65.790% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223942489 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $41622.20 | $8784.60 |  | 7.079% | $4785.34 | $4785.34 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43223.87 | 1 | XXXX | $1153.20 | XXXX | $96.10 |  |  |  |  |  | 37.968% | 37.968% | 37.968% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $41622.20 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $400944.18 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.42 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223943207 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4163.75 | $8266.13 |  | 7.317% | $1545.27 | $1545.27 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2413.69 | 1 | XXXX | $634.08 | XXXX | $52.84 |  |  |  |  |  | 48.285% | 48.285% | 48.285% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4163.75 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $649408.17 | 100.000% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 252.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223943534 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4793.12 | $8868.07 |  | 7.132% | $3364.69 | $3364.69 | 6.990% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5890.45 | 1 | XXXX | $1139.64 | XXXX | $94.97 |  |  |  |  |  | 49.241% | 49.241% | 49.241% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4793.12 |  | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $219240.27 | 32.480% | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.65 |  | No | No |  | $0.00 | $9438.63 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223943536 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $22030.00 | $7751.62 |  | 8.478% | $2404.05 | $2404.05 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14797.85 | 1 | XXXX | $1995.96 | XXXX | $166.33 |  |  |  |  |  | 47.832% | 47.832% | 47.832% | [Redacted] | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $22030.00 |  | 6.750% | $75850.00 | 4.5 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $4000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223943544 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2631.11 | $2631.11 | 6.990% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | XXXX | $2583.00 | XXXX | $215.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | XXXX | $214423.27 | 43.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223943548 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6921.50 | $6522.03 |  | 8.929% | $2513.51 | $2513.51 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20324.76 | 1 | XXXX | $1141.92 | XXXX | $95.16 |  |  |  |  |  | 14.292% | 14.292% | 14.292% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6921.50 |  | 6.750% | $7500.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $123128.88 | 34.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223944993 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $26036.75 |  | 6.854% | $10462.50 | $14142.77 | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35607.91 | 1 | XXXX | $13369.44 | XXXX | $1114.12 |  |  |  |  |  | 41.093% | 35.005% | 41.093% | [Redacted] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 57.000% | 81.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.790% | $0.00 | 3.9 |  |  |  | No | No | 6.750% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $360325.71 |  | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.84 |  | No | No |  | $0.00 | $25833.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945239 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $19663.69 | $23650.65 |  | 8.469% | $5048.98 | $5048.98 | 8.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7544.08 | 1 | XXXX | $2224.68 | XXXX | $185.39 |  |  |  |  |  | 51.908% | 51.908% | 51.908% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $19663.69 |  | 6.790% | $0.00 | 1.3 | LP / LPA |  | Accept/Ineligible | Yes | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $155379.64 |  | No | 17 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945240 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $5190.00 | $6752.99 |  | 8.218% | $2054.54 | $2054.54 | 8.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8844.31 | 4 | XXXX | $4694.40 | XXXX | $391.20 |  |  |  |  |  | 48.480% | 48.480% | 48.480% | [Redacted] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5190.00 |  | 6.750% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 8.000% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $124389.56 | 35.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.34 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945241 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $933.35 | $933.35 | 8.625% | No | No |  |  |  |  | 0 | 0 |  | Permanent Resident Alien |  | Not Provided |  |  |  |  |  | 1 | XXXX | $859.08 | XXXX | $71.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.8 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX | $42794.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.9 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223945493 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1497.75 | $1497.75 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1019.04 | XXXX | $84.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXX | $72568.29 | 25.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223945494 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5425.75 | $7025.28 |  | 10.045% | $2139.72 | $2139.72 | 9.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19287.28 | 1 | XXXX | $2241.00 | XXXX | $186.75 |  |  |  |  |  | 19.320% | 19.320% | 19.320% | [Redacted] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5425.75 |  | 6.790% | $2500.00 | 1 |  |  |  | Yes | No | 9.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $66063.55 | 22.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945521 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1854.00 | $4219.68 |  | 7.113% | $1860.97 | $1860.97 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23663.68 | 1 | XXXX | $1086.96 | XXXX | $90.58 |  |  |  |  |  | 47.946% | 47.946% | 47.946% | [Redacted] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1854.00 |  | 6.750% | $0.00 |  |  |  |  | No | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $775932.66 | 100.000% | No | 28 |  |  |  | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.3 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945523 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1139.49 | $1139.49 | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1083.36 | XXXX | $90.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | 744 | 716 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | XXXX | $98356.05 | 43.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 32.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223945526 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $12221.25 | $15603.25 |  | 8.749% | $2992.78 | $2992.78 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $927300.13 | 1 | XXXX | $3737.76 | XXXX | $311.48 |  |  |  |  |  | 1.612% | 1.612% | 1.612% | [Redacted] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12221.25 |  | 6.790% | $0.00 | 1.5 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $235266.59 | 44.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.18 |  | No | No |  | $942489.85 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945527 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $14088.20 | $16623.50 |  | 8.097% | $5074.76 | $5074.76 | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11130.43 | 1 | XXXX | $3177.00 | XXXX | $264.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14088.20 |  | 6.750% | $0.00 | 1.8 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1327329.28 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945531 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $992.94 | $992.94 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1580.04 | XXXX | $131.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.8 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.98 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223945532 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $23790.00 | $32960.61 |  | 7.677% | $11187.43 | $11187.43 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30411.41 | 1 | XXXX | $6399.00 | XXXX | $533.25 |  |  |  |  |  | 41.929% | 41.929% | 41.929% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 45.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $23790.00 |  | 6.750% | $0.00 | 2.4 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $2819155.59 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 147.11 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945544 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8663.75 | $12073.24 |  | 7.911% | $3778.13 | $4802.55 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17417.87 | 1 | XXXX | $2749.08 | XXXX | $229.09 |  |  |  |  |  | 28.836% | 24.650% | 28.836% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8663.75 |  | 6.790% | $0.00 | 3.3 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945545 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4959.49 | $4959.49 | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $4245.00 | XXXX | $353.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXX | $88635.38 | 10.300% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223945546 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7646.00 | $8856.20 |  | 9.988% | $2203.17 | $2203.17 | 9.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23806.02 | 1 | XXXX | $1193.04 | XXXX | $99.42 |  |  |  |  |  | 17.941% | 17.941% | 17.941% | [Redacted] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7646.00 |  | 6.750% | $27500.00 | 3.2 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $112601.97 | 38.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945548 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6859.96 | $14409.21 |  | 7.636% | $3273.80 | $3273.80 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7863.53 | 1 | XXXX | $971.04 | XXXX | $80.92 |  |  |  |  |  | 46.037% | 46.037% | 46.037% | [Redacted] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6859.96 |  | 6.790% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $287254.57 | 42.360% | No | 5 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945549 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1254.12 | $1254.12 | 8.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1794.72 | XXXX | $149.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 627 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 3.5 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.72 |  |  | No |  | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223945580 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5794.21 | $9370.14 |  | 7.764% | $2322.44 | $2322.44 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4407.68 | 1 | XXXX | $4244.04 | XXXX | $353.67 |  |  |  |  |  | 48.674% | 48.674% | 48.674% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 85.000% | 15.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5794.21 |  | 6.790% | $0.00 | 2.9 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $30703.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 120.5 |  |  | No |  | $1288.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945595 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6234.00 | $3871.81 |  | 7.143% | $4662.13 | $4662.13 | 7.125% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16924.24 | 1 | XXXX | $1617.96 | XXXX | $134.83 |  |  |  |  |  | 44.938% | 44.938% | 44.938% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6234.00 |  | 6.790% | ($17057.26) | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 7.125% | 0 | 2 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $390809.31 | 45.180% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.66 |  | No | No |  | $7938.85 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945608 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2377.50 | $4384.88 |  | 7.025% | $1642.32 | $1642.32 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26107.59 | 1 | XXXX | $4949.04 | XXXX | $412.42 |  |  |  |  |  | 10.756% | 10.756% | 10.756% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2005 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2377.50 |  | 6.790% | $0.00 | 1.8 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $29491.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945805 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10940.00 | $15220.58 |  | 7.377% | $6446.57 | $6446.57 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $184973.41 | 1 | XXXX | $5550.60 | XXXX | $462.55 |  |  |  |  |  | 7.024% | 7.024% | 7.024% | [Redacted] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10940.00 |  | 6.830% | $0.00 | 3 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $135000.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.3 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945812 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1391.64 | $1391.64 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1240.20 | XXXX | $103.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945819 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6063.25 | $7286.65 |  | 9.235% | $1256.75 | $1256.75 | 8.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5351.71 | 1 | XXXX | $795.00 | XXXX | $66.25 |  |  |  |  |  | 43.601% | 43.601% | 43.601% | [Redacted] | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6063.25 |  | 6.750% | $35000.00 | 1 |  |  |  | Yes | No | 8.750% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $43843.61 | 20.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223945821 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2979.00 | $6156.84 |  | 7.300% | $913.13 | $913.13 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $5582.16 | 1 | XXXX | $1401.96 | XXXX | $116.83 |  |  |  |  |  | 19.333% | 19.333% | 19.333% | [Redacted] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2979.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 1 |  | 2 | 0 | 2 | 2 |  |  | 7.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5417.49 | 1.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 10.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223946357 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2499.52 | $2499.52 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1373.40 | XXXX | $114.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | XXXX | $1285265.10 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac Advanced | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 304.97 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223946359 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2751.57 | $2751.57 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $1881.00 | XXXX | $156.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223946362 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8074.00 | $11785.61 |  | 7.870% | $2125.61 | $2125.61 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4643.98 | 1 | XXXX | $3038.76 | XXXX | $253.23 |  |  |  |  |  | 41.447% | 41.447% | 41.447% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8074.00 |  | 6.750% | $0.00 | 1.1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $92952.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 79.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223946393 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $734.23 | $734.23 | 8.625% | No | No |  |  |  |  | 0 | 0 |  | Permanent Resident Alien |  | US Citizen |  |  |  |  |  | 1 | XXXX | $1003.68 | XXXX | $83.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.8 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXX | $47499.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223946567 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6832.06 | $6832.06 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $824.04 | XXXX | $68.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 5 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | XXXX | $278525.14 | 21.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223946683 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6633.40 | $8120.34 |  | 8.125% | $2233.21 | $2233.21 | 7.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6131.11 | 2 | XXXX | $1241.04 | XXXX | $103.42 |  |  |  |  |  | 42.848% | 42.848% | 42.848% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6633.40 |  | 6.750% | $0.00 |  |  |  |  | No | No | 7.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $320073.42 | 83.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 75.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223946696 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2985.63 | $8624.84 |  | 8.003% | $3330.47 | $4205.54 | 7.875% | No | No | Not Employed | Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $102989.66 | 1 | XXXX | $2352.48 | XXXX | $196.04 |  |  |  |  |  | 10.605% | 9.846% | 10.605% | [Redacted] | 757 | 753 | 772 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2985.63 |  | 6.750% | $0.00 | 999 |  |  |  | No | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $1003226.51 | 100.000% | No |  | 30 |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II |  | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 218.1 |  | No | No |  | $0.00 | $115207.74 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223947125 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3859.60 | $3859.60 | 7.990% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 3 | XXXX | $1970.76 | XXXX | $164.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
| 223947127 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4839.84 | $4839.84 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | XXXX | $2847.00 | XXXX | $237.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | XXXX | $395455.48 | 37.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223947362 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2036.48 | $2036.48 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1746.00 | XXXX | $145.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XXXX | $317668.71 | 59.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223947366 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7707.25 | $12578.44 |  | 7.334% | $2253.10 | $2253.10 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4461.35 | 1 | XXXX | $644.04 | XXXX | $53.67 |  |  |  |  |  | 45.501% | 45.501% | 45.501% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7707.25 |  | 6.750% | $4893.00 | 1.3 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $27829.14 | 5.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223947368 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6832.06 | $6832.06 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1316.04 | XXXX | $109.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  |  |  |  |  | XXXX | $324334.88 | 24.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223947400 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4274.08 | $4274.08 | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | XXXX | $2244.96 | XXXX | $187.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | XXXX | $330615.78 | 37.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223947411 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1501.50 | $1501.50 | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1593.96 | XXXX | $132.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.7 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.02 | 0.5 |  |  |  |  |  |  |  | XXXX | $226724.99 | 52.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223947454 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $81124.38 | $27159.52 |  | 6.702% | $7466.30 | $7466.30 | 6.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $458808.51 | 1 | XXXX | $608.04 | XXXX | $50.67 |  |  |  |  |  | 3.871% | 3.871% | 3.871% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $81124.38 |  | 6.750% | $0.00 | 2.8 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $382087.34 | 24.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.02 |  | No | No |  | $477283.93 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223947465 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1356.31 | $1356.31 | 6.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $847.20 | XXXX | $70.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.3 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | XXXX | $251271.69 | 60.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949569 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1390.00 | $3356.32 |  | 6.926% | $2627.72 | $2627.72 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $92973.68 | 1 | XXXX | $2394.96 | XXXX | $199.58 |  |  |  |  |  | 6.197% | 6.197% | 6.197% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1390.00 |  | 6.750% | $0.00 | 1.8 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $582452.90 | 64.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.12 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949606 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2614.00 | $5624.84 |  | 7.813% | $1174.68 | $1174.68 | 7.500% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2229.91 | 1 | XXXX | $1976.04 | XXXX | $164.67 |  |  |  |  |  | 46.878% | 46.878% | 46.878% | [Redacted] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2614.00 |  | 6.790% | $2500.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.500% | 1 | 0 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $81500.89 | 38.800% | No | 9 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.31 |  | Yes | No |  | $1798.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949607 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1995.00 | $3991.84 |  | 6.919% | $3665.66 | $3665.66 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17390.14 | 1 | XXXX | $3131.04 | XXXX | $260.92 |  |  |  |  |  | 22.376% | 22.376% | 22.376% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1995.00 |  | 6.830% | $0.00 | 3.1 |  |  |  | Yes | No | 6.875% | 1 | 0 | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $122252.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949611 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4962.00 | $6890.00 |  | 7.807% | $1510.30 | $1510.30 | 7.500% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14164.50 | 1 | XXXX | $3107.04 | XXXX | $258.92 |  |  |  |  |  | 21.883% | 21.883% | 21.883% | [Redacted] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4962.00 |  | 6.670% | $67276.00 | 1.1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $6151.63 | 2.270% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.93 |  | No | No |  | $18132.49 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949612 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5584.00 | $6710.25 |  | 8.835% | $1746.25 | $1746.25 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $5006.41 | 1 | XXXX | $2024.04 | XXXX | $168.67 |  |  |  |  |  | 38.638% | 38.638% | 38.638% | [Redacted] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5584.00 |  | 5.910% | $0.00 | 1.3 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $114919.31 | 51.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 29.41 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223949614 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5362.00 | $6471.16 |  | 9.356% | $1479.18 | $1479.18 | 8.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Bolivia (Plurinational State of) |  |  |  | $2134.65 | 1 | XXXX | $1274.04 | XXXX | $106.17 |  |  |  |  |  | 46.840% | 46.840% | 46.840% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5362.00 |  | 6.770% | $47000.00 | 2.1 |  |  |  | Yes | No | 8.990% | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $40290.00 | 17.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 6.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223949617 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11494.00 | $15263.92 |  | 8.995% | $4531.39 | $4531.39 | 8.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8868.20 | 1 | XXXX | $3173.04 | XXXX | $264.42 |  |  |  |  |  | 41.825% | 46.885% | 41.825% | [Redacted] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11494.00 |  | 6.770% | $2798.42 | 1 |  |  |  | Yes | No | 8.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $306704.28 | 47.920% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.61 |  | Yes | No |  | $0.00 | $8743.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949620 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $3968.05 |  | 7.710% | $6810.28 | $7941.97 | 8.323% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25597.46 | 1 | XXXX | $7689.96 | XXXX | $640.83 |  |  |  |  |  | 31.276% | 31.711% | 31.276% | [Redacted] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.770% | $0.00 | 3.3 |  |  |  | No | No | 8.323% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2613215.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 125.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949621 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2045.00 | $3737.04 |  | 8.562% | $3383.22 | $3383.22 | 8.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19092.60 | 1 | XXXX | $1938.96 | XXXX | $161.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Verification of Deposit - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Verification of Deposit - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2045.00 |  | 6.750% | $13210.00 | 1 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1287674.23 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 275.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949635 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9783.40 | $5610.20 |  | 8.100% | $3166.27 | $3166.27 | 7.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6362.07 | 1 | XXXX | $1364.64 | XXXX | $113.72 |  |  |  |  |  | 39.819% | 39.819% | 39.819% | [Redacted] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9783.40 |  | 6.790% | $12500.00 | 1 |  |  |  | No | No | 7.990% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $135662.05 | 25.120% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949637 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4203.79 | $4203.79 | 6.990% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1101.60 | XXXX | $91.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | XXXX | $2753934.29 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 265.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949639 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6716.40 | $9805.16 |  | 7.373% | $4311.35 | $4311.35 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6774.13 | 1 | XXXX | $1218.00 | XXXX | $101.50 |  |  |  |  |  | 47.181% | 47.181% | 47.181% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6716.40 |  | 6.750% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $188000.00 | 23.790% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.85 |  |  | No |  | $0.00 | $1733.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949640 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1058.02 | $1058.02 | 8.500% | No | No |  |  |  |  | 0 | 0 |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | XXXX | $1128.48 | XXXX | $94.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | 780 | 777 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | XXXX | $42794.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 19.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223949642 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3186.91 | $3186.91 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $3653.64 | XXXX | $304.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 55.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223949644 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1782.37 | $1782.37 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1163.04 | XXXX | $96.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949646 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $8639.73 | $10567.25 |  | 8.620% | $3032.41 | $3032.41 | 8.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $45020.84 | 1 | XXXX | $1139.04 | XXXX | $94.92 |  |  |  |  |  | 24.740% | 24.740% | 24.740% | [Redacted] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8639.73 |  | 6.040% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 8.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $257722.74 | 57.280% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.3 |  | Yes | No |  | $0.00 | $38166.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949647 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4336.78 | $11176.06 |  | 7.337% | $3183.32 | $3183.32 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5533.05 | 1 | XXXX | $2411.16 | XXXX | $200.93 |  |  |  |  |  | 48.973% | 48.973% | 48.973% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4336.78 |  | 6.790% | $0.00 | 2.6 |  |  |  | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $468059.54 | 74.290% | No | 31 | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 65.65 |  | Yes | No |  | $0.00 | $8406.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949648 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6862.00 | $8699.50 |  | 7.141% | $3507.12 | $3507.12 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31401.36 | 1 | XXXX | $2132.88 | XXXX | $177.74 |  |  |  |  |  | 29.047% | 29.047% | 29.047% | [Redacted] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6862.00 |  | 6.830% | $0.00 | 4.2 |  |  |  | No | No | 6.999% | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $185326.16 | 28.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949649 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1363.47 | $1363.47 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1038.96 | XXXX | $86.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223949686 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7265.00 | $11069.06 |  | 7.221% | $1970.79 | $1970.79 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6610.91 | 1 | XXXX | $2355.00 | XXXX | $196.25 |  |  |  |  |  | 38.830% | 38.830% | 38.830% | [Redacted] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7265.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949726 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2069.33 | $2069.33 | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $456.96 | XXXX | $38.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | XXXX | $128466.44 | 30.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.08 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223949734 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12658.75 | $16635.95 |  | 7.341% | $9976.83 | $9976.83 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $24880.61 | 1 | XXXX | $3973.32 | XXXX | $331.11 |  |  |  |  |  | 38.440% | 38.440% | 38.440% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12658.75 |  | 6.630% | $40000.00 | 2.4 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $22500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 17.66 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949741 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1716.96 | $1716.96 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1926.00 | XXXX | $160.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $127440.02 | 40.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.26 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223949743 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1642.32 | $1642.32 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1125.00 | XXXX | $93.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | XXXX | $21068.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 115.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223949745 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4585.04 | $4585.04 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2258.04 | XXXX | $188.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX | $288214.98 | 36.020% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223949912 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6044.94 | $8062.15 |  | 7.610% | $2209.61 | $2209.61 | 7.375% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7571.20 | 1 | XXXX | $1701.00 | XXXX | $141.75 |  |  |  |  |  | 44.787% | 44.787% | 44.787% | [Redacted] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 69.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6044.94 |  | 6.670% | $19995.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $34567.24 | 8.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.69 |  | No | No |  | $2243.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223950032 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | Yes | $1790.00 | $6826.50 |  | 7.428% | $5315.44 | $5315.44 | 7.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $22620.27 | 1 | XXXX | $1660.08 | XXXX | $138.34 |  |  |  |  |  | 34.984% | 34.984% | 34.984% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $4000.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.375% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $311010.63 | 32.320% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 15.74 |  | No | No |  | $0.00 | $17308.46 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223950140 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5670.00 | $7159.62 |  | 9.009% | $1493.36 | $1493.36 | 8.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2798.56 | 1 | XXXX | $1154.04 | XXXX | $96.17 |  |  |  |  |  | 49.394% | 49.394% | 49.394% | [Redacted] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5670.00 |  | 6.670% | $2219.68 | 1.4 |  |  |  | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $73398.04 | 28.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.02 |  |  | No |  | $3524.27 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223950195 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $38049.11 | $8309.30 |  | 7.090% | $4351.67 | $4351.67 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44203.66 | 1 | XXXX | $1114.20 | XXXX | $92.85 |  |  |  |  |  | 36.562% | 36.562% | 36.562% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $38049.11 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $281517.15 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223950977 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5648.10 | $8909.78 |  | 7.949% | $1352.28 | $1352.28 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4028.81 | 1 | XXXX | $1419.48 | XXXX | $118.29 |  |  |  |  |  | 37.011% | 37.011% | 37.011% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5648.10 |  | 6.750% | $7000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $235058.38 | 97.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223951044 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4716.03 | $4716.03 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1541.04 | XXXX | $128.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 59.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223951083 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7996.25 | $10255.85 |  | 7.895% | $4477.58 | $4477.58 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13930.34 | 1 | XXXX | $7356.24 | XXXX | $613.02 |  |  |  |  |  | 39.731% | 39.731% | 39.731% | [Redacted] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - No Results Returned - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7996.25 |  | 6.630% | $0.00 | 1.3 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $297064.12 |  | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.54 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223951084 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $75837.00 | $23828.14 |  | 7.313% | $7540.26 | $7540.26 | 7.125% | No | No | Not Employed | Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $29024.42 | 1 | XXXX | $5457.48 | XXXX | $454.79 |  |  |  |  |  | 37.804% | 37.804% | 37.804% | [Redacted] | 748 | 771 | 815 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $75837.00 |  | 6.750% | $1240.00 | 1.2 |  |  |  | Yes | No | 7.125% | 0 | 2 | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $918474.25 | 65.650% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 62.85 |  | No | No |  | $17499.20 | $29166.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223951109 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3490.00 | $4579.73 |  | 7.541% | $1023.26 | $1023.26 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3224.32 | 1 | XXXX | $2845.20 | XXXX | $237.10 |  |  |  |  |  | 40.398% | 40.398% | 40.398% | [Redacted] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3490.00 |  | 6.750% | $0.00 | 2.2 |  |  |  | No | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No | 20 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223951744 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6209.95 | $7754.18 |  | 8.216% | $2345.82 | $2345.82 | 7.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8101.02 | 1 | XXXX | $4206.00 | XXXX | $350.50 |  |  |  |  |  | 36.502% | 36.502% | 36.502% | [Redacted] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6209.95 |  | 6.670% | $8000.00 | 1.6 | DU |  | ApproveEligible | Yes | No | 7.990% | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $129936.90 | 32.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.52 |  | No | No |  | $0.00 | $7499.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223952240 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1179.92 | $1179.92 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1661.04 | XXXX | $138.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.2 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XXXX | $324976.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 162.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223952243 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1762.02 | $1762.02 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1363.32 | XXXX | $113.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 118.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953017 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $852.72 | $852.72 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $3462.96 | XXXX | $288.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.94 | 0.34 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 87.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223953018 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12676.50 | $1149.72 |  | 7.244% | $4727.48 | $4727.48 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | Mexico |  |  |  | $16881.61 | 1 | XXXX | $1973.16 | XXXX | $164.43 |  |  |  |  |  | 35.456% | 35.456% | 35.456% | [Redacted] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12676.50 |  | 6.750% | $23100.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $7000.00 | 0.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 26.68 |  | No | No |  | $13024.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953027 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4070.52 | $4070.52 | 6.500% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | XXXX | $5312.04 | XXXX | $442.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 761 |  |  |  | 761 | 768 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.5 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.26 |  |  |  |  |  |  |  | XXXX | $20000.00 | 2.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 41.82 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223953036 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2547.50 | $6127.12 |  | 7.335% | $1684.30 | $1684.30 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6986.86 | 1 | XXXX | $1049.04 | XXXX | $87.42 |  |  |  |  |  | 44.252% | 44.252% | 44.252% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; Other - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; Other - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Cross Country | $2547.50 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 7.125% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 6.87 | No |  |  |  |  |  |  |  |  |  | XXXX | $250186.12 | 39.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  | 57 |  | Yes | No |  | $298.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953113 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15634.03 | $19254.88 |  | 11.145% | $7408.29 | $7408.29 | 10.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25128.55 | 1 | XXXX | $4529.04 | XXXX | $377.42 |  |  |  |  |  | 42.987% | 42.987% | 42.987% | [Redacted] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15634.03 |  | 6.670% | $500.00 | 4.1 |  |  |  | No | No | 10.875% | 2 |  | 3 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $124285.14 | 14.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.89 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953180 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1360.83 | $1360.83 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2088.96 | XXXX | $174.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | XXXX | $50717.13 | 17.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223953190 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3570.00 | $5029.28 |  | 7.874% | $1330.65 | $1330.65 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10753.69 | 1 | XXXX | $1028.40 | XXXX | $85.70 |  |  |  |  |  | 28.088% | 28.088% | 28.088% | [Redacted] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3570.00 |  | 6.790% | $2500.00 | 1.4 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $30442.28 | 12.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.84 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953532 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4340.00 | $5695.24 |  | 7.059% | $1806.55 | $1806.55 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11085.29 | 1 | XXXX | $1843.08 | XXXX | $153.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4340.00 |  | 6.750% | $128000.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $870072.13 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 307.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953647 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4117.25 | $5552.88 |  | 7.336% | $1003.59 | $1003.59 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5499.72 | 1 | XXXX | $956.52 | XXXX | $79.71 |  |  |  |  |  | 32.233% | 32.233% | 32.233% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4117.25 |  | 6.750% | $0.00 | 1.6 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $58293.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953655 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11490.00 | $14804.94 |  | 7.135% | $5848.75 | $5848.75 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23334.05 | 1 | XXXX | $20688.00 | XXXX | $1724.00 |  |  |  |  |  | 42.567% | 42.567% | 42.567% | [Redacted] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11490.00 |  | 6.750% | $34806.87 | 1 |  |  |  | Yes | No | 6.990% | 2 |  | 2 | 0 | 2 | 2 |  |  | 5.97 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2377169.08 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 283.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953657 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $643.27 | $643.27 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1326.00 | XXXX | $110.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | XXXX | $5000.00 | 3.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.54 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223953672 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1690.00 | $6536.24 |  | 7.066% | $1970.79 | $1970.79 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23910.59 | 1 | XXXX | $972.00 | XXXX | $81.00 |  |  |  |  |  | 27.231% | 27.231% | 27.231% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.630% | $0.00 | 3.2 |  |  |  | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $392613.79 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 179.6 |  | No | No |  | $0.00 | $13746.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953673 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7730.00 | $10876.59 |  | 7.769% | $4416.63 | $4416.63 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7279.90 | 1 | XXXX | $7113.00 | XXXX | $592.75 |  |  |  |  |  | 49.002% | 49.002% | 49.002% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  | Audited | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Audited P&L - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7730.00 |  | 6.750% | $20000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $205434.43 | 26.330% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953679 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1125.59 | $1125.59 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1511.04 | XXXX | $125.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXX | $48100.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953682 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8406.25 | $11454.78 |  | 7.390% | $4536.47 | $4536.47 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $71699.41 | 1 | XXXX | $4932.96 | XXXX | $411.08 |  |  |  |  |  | 12.049% | 12.049% | 12.049% | [Redacted] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8406.25 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $340108.13 | 35.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953684 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7590.00 | $9860.53 |  | 7.128% | $4120.71 | $4120.71 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10388.24 | 1 | XXXX | $4671.96 | XXXX | $389.33 |  |  |  |  |  | 49.189% | 49.189% | 49.189% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; D1C Income Verification Report - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; D1C Income Verification Report - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7590.00 |  | 6.750% | $5000.00 | 2.4 |  |  |  | Yes | No | 6.990% | 1 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $329642.51 | 42.530% | No | 2 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.26 |  | No | No |  | $2508.21 | $1519.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953685 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1850.00 | $4000.00 |  | 6.817% | $2594.39 | $2594.39 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29047.58 | 1 | XXXX | $4628.04 | XXXX | $385.67 |  |  |  |  |  | 17.159% | 17.159% | 17.159% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1850.00 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1090824.44 | 80.500% | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953686 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2465.00 | $3775.80 |  | 7.544% | $1346.82 | $1346.82 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2155.48 | 1 | XXXX | $1017.00 | XXXX | $84.75 |  |  |  |  |  | 47.052% | 47.052% | 47.052% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2465.00 |  | 6.630% | $0.00 | 1.9 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $143789.70 | 51.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953841 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2295.67 | $6740.67 |  | 7.692% | $4061.80 | $4061.80 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43826.88 | 1 | XXXX | $1049.04 | XXXX | $87.42 |  |  |  |  |  | 19.317% | 19.317% | 19.317% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2295.67 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5331.80 | 0.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223953842 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $5495.00 | $7197.37 |  | 8.193% | $2463.11 | $2463.11 | 7.990% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8654.59 | 1 | XXXX | $2802.96 | XXXX | $233.58 |  |  |  |  |  | 39.139% | 39.139% | 39.139% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5495.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $192741.19 | 45.890% | No |  | 30 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 60.81 |  | No | No |  | $0.00 | $14220.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223954085 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2699.79 | $2699.79 | 6.750% | No | No |  |  |  |  | 0 |  |  | Foreign National |  |  |  |  |  |  |  | 1 | XXXX | $1200.00 | XXXX | $100.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $131470.56 | 23.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 64.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223954100 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1101.48 | $1101.48 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $501.24 | XXXX | $41.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  |  | XXXX | $80081.55 | 37.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.65 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223954515 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $6091.32 |  | 7.319% | $4604.18 | $4604.18 | 7.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8854.61 | 1 | XXXX | $2715.12 | XXXX | $226.26 |  |  |  |  |  | 41.714% | 41.714% | 41.714% | [Redacted] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.790% | $6080.00 | 1 |  |  |  | Yes | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $117424.31 | 13.040% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223954516 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1382.81 | $1382.81 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $834.36 | XXXX | $69.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | XXXX | $357673.06 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 172.18 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223954535 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1890.00 | $7660.46 |  | 8.112% | $12149.17 | $16676.69 | 8.569% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27574.32 | 1 | XXXX | $3131.04 | XXXX | $260.92 |  |  |  |  |  | 43.925% | 34.718% | 43.925% | [Redacted] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1890.00 |  | 6.500% | $0.00 | 4 |  |  |  | No | No | 8.569% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $55107.51 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955519 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10148.64 | $12108.92 |  | 7.066% | $2990.63 | $4007.99 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6439.73 | 1 | XXXX | $4677.00 | XXXX | $389.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10148.64 |  | 6.830% | $0.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | XXXX | $666291.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 138.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955521 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6350.00 | $8764.10 |  | 7.036% | $3192.67 | $3192.67 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $50943.83 | 1 | XXXX | $1367.04 | XXXX | $113.92 |  |  |  |  |  | 8.152% | 8.152% | 8.152% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6350.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $433458.98 | 50.990% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 106.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955522 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2065.09 | $2065.09 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $830.04 | XXXX | $69.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | XXXX | $140566.88 | 40.160% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955526 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2143.44 | $2143.44 | 6.990% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | XXXX | $2480.04 | XXXX | $206.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | XXXX | $366677.61 | 85.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
| 223955527 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9515.00 | $11025.80 |  | 7.766% | $2796.86 | $2796.86 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20137.18 | 1 | XXXX | $1874.04 | XXXX | $156.17 |  |  |  |  |  | 45.480% | 45.480% | 45.480% | [Redacted] | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 41.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  | Cross Country | $9515.00 |  | 6.870% | $0.00 | 1 |  |  |  | No | No | 7.500% | 4 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955529 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8719.00 | $19666.40 |  | 7.402% | $4554.34 | $4554.34 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6904.03 | 1 | XXXX | $1385.04 | XXXX | $115.42 |  |  |  |  |  | 48.477% | 48.477% | 48.477% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8719.00 |  | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $441120.60 | 52.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.49 |  |  | No |  | $6700.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955530 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5398.00 | $7420.60 |  | 7.107% | $3615.59 | $3615.59 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23207.31 | 1 | XXXX | $5991.84 | XXXX | $499.32 |  |  |  |  |  | 45.958% | 45.958% | 45.958% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5398.00 |  | 6.670% | $4300.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.990% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $482649.30 | 70.970% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955531 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $3534.98 |  | 7.045% | $2990.84 | $2990.84 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6961.28 | 1 | XXXX | $1119.00 | XXXX | $93.25 |  |  |  |  |  | 43.168% | 43.168% | 43.168% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $0.00 | 3.4 | LP / LPA |  | Accept/Eligible | No | No | 6.990% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $15812.22 |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955532 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $759.35 | $759.35 | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1380.00 | XXXX | $115.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.3 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223955533 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2010.00 | $10071.30 |  | 7.531% | $13285.08 | $13285.08 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21680.57 | 1 | XXXX | $1830.96 | XXXX | $152.58 |  |  |  |  |  | 45.010% | 45.010% | 45.010% | [Redacted] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2010.00 |  | 6.750% | $4000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1182647.89 | 49.790% | No | 2 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.82 |  | Yes | No |  | $0.00 | $23886.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955535 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2115.00 | $5738.54 |  | 7.192% | $1116.78 | $1116.78 | 6.875% | No | Yes | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16317.07 | 1 | XXXX | $3608.40 | XXXX | $300.70 |  |  |  |  |  | 14.865% | 14.865% | 14.865% | [Redacted] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2115.00 |  | 6.750% | $0.00 | 3.3 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1482676.76 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 898.49 |  | No | No |  | $19166.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955536 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2675.71 | $2675.71 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1958.04 | XXXX | $163.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | XXXX | $14120.01 | 3.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223955538 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $885.72 | $885.72 | 9.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1431.96 | XXXX | $119.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223955539 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $17320.00 | $19270.90 |  | 8.265% | $5072.83 | $5072.83 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11887.88 | 1 | XXXX | $876.84 | XXXX | $73.07 |  |  |  |  |  | 44.903% | 44.903% | 44.903% | [Redacted] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17320.00 |  | 6.750% | $0.00 |  |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $37843.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223956065 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2424.63 | $2424.63 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $2565.96 | XXXX | $213.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | XXXX | $465857.01 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223956072 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1316.00 | $4408.20 |  | 7.264% | $1886.41 | $1886.41 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12053.74 | 1 | XXXX | $899.04 | XXXX | $74.92 |  |  |  |  |  | 29.510% | 29.510% | 29.510% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1316.00 |  | 6.670% | $0.00 | 3.5 | LP / LPA |  | Accept/Eligible | No | No | 7.125% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $108952.58 | 31.120% | No | 9 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223957100 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3712.50 | $3712.50 | 6.750% | No | No |  |  |  |  | 0 | 0 |  |  |  | US Citizen |  |  |  |  |  | 1 | XXXX | $2795.04 | XXXX | $232.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 783 |  |  |  | 733 | 786 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | LLC | Business Entity | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 28.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223957101 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1160.48 | $1160.48 | 7.125% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1292.04 | XXXX | $107.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 228.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958130 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2200.00 | $4612.16 |  | 8.171% | $788.05 | $788.05 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2980.26 | 3 | XXXX | $5310.96 | XXXX | $442.58 |  |  |  |  |  | 44.595% | 44.595% | 44.595% | [Redacted] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2200.00 |  | 6.750% | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958131 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1140.11 | $1140.11 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $985.08 | XXXX | $82.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | XXXX | $16044.42 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223958134 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5818.00 | $7403.63 |  | 7.130% | $3083.89 | $3083.89 | 6.990% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5793.04 | 1 | XXXX | $4863.96 | XXXX | $405.33 |  |  |  |  |  | 43.089% | 43.089% | 43.089% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5818.00 |  | 6.750% | $1000.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1225937.30 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 240.32 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958140 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9921.42 | $13478.46 |  | 7.603% | $7820.02 | $7820.02 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $157838.49 | 1 | XXXX | $8433.96 | XXXX | $702.83 |  |  |  |  |  | 9.361% | 9.361% | 9.361% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9921.42 |  | 6.750% | $0.00 | 1.6 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $592352.05 | 42.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958143 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3821.25 | $9644.53 |  | 7.160% | $2093.96 | $2093.96 | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12948.11 | 1 | XXXX | $2469.84 | XXXX | $205.82 |  |  |  |  |  | 40.658% | 40.658% | 40.658% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3821.25 |  | 6.670% | $0.00 | 2.2 | DU |  | ApproveEligible | No | No | 6.875% | 0 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $95983.42 | 22.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.53 |  | No | No |  | $0.00 | $3538.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958151 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1329.26 | $1329.26 | 6.990% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1269.96 | XXXX | $105.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | XXXX | $50331.15 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 131.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223958266 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4220.00 | $5052.20 |  | 9.520% | $844.10 | $844.10 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $124328.75 | 1 | XXXX | $914.04 | XXXX | $76.17 |  |  |  |  |  | 16.015% | 16.015% | 16.015% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4220.00 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 79.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958302 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2199.00 | $6296.40 |  | 7.483% | $1736.14 | $1736.14 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14764.50 | 1 | XXXX | $2421.00 | XXXX | $201.75 |  |  |  |  |  | 18.687% | 18.687% | 18.687% | [Redacted] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2199.00 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $37081.09 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958313 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3341.25 | $3341.25 | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2571.00 | XXXX | $214.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 132.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223958314 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1478.80 | $1478.80 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1638.00 | XXXX | $136.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.98 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223958318 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7570.00 | $8219.32 |  | 9.355% | $1463.99 | $1463.99 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3942.13 | 1 | XXXX | $1190.04 | XXXX | $99.17 |  |  |  |  |  | 42.116% | 42.116% | 42.116% | [Redacted] | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7570.00 |  | 6.790% | $0.00 | 5 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958320 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5721.25 | $9003.86 |  | 8.174% | $5439.07 | $6095.77 | 8.573% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22254.80 | 1 | XXXX | $12731.04 | XXXX | $1060.92 |  |  |  |  |  | 40.572% | 41.484% | 40.572% | [Redacted] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Cross Country | $5721.25 |  | 6.770% | $300000.00 | 1.2 |  |  |  | Yes | No | 8.573% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $46507.44 | 4.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.75 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958321 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8738.44 | $12167.52 |  | 7.333% | $7802.39 | $7802.39 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15079.71 | 1 | XXXX | $5304.60 | XXXX | $442.05 |  |  |  |  |  | 44.775% | 44.775% | 44.775% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 75.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8738.44 |  | 6.790% | $3600.00 | 1.4 |  |  |  | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $493491.74 | 32.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.37 |  | Yes | No |  | $0.00 | $6805.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958327 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1121.56 | $1121.56 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | N/A |  |  |  |  |  |  | 1 | XXXX | $633.00 | XXXX | $52.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXX | $85003.27 | 37.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223958507 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1063.41 | $1063.41 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1155.00 | XXXX | $96.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.56 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958515 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4505.38 | $6143.25 |  | 7.525% | $1456.45 | $1456.45 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3202.90 | 1 | XXXX | $4248.48 | XXXX | $354.04 |  |  |  |  |  | 48.442% | 48.442% | 48.442% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4505.38 |  | 6.750% | $153500.00 | 1.7 |  |  |  | No | No | 7.250% | 2 |  | 1 | 0 | 2 | 1 |  |  | 7.30 | No |  |  |  |  |  |  |  |  |  | XXXX | $20817.45 | 6.820% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.5 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223958722 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9077.50 | $10542.60 |  | 6.705% | $2923.31 | $2923.31 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37407.26 | 1 | XXXX | $4925.76 | XXXX | $410.48 |  |  |  |  |  | 15.891% | 15.891% | 15.891% | [Redacted] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9077.50 |  | 6.670% | $0.00 | 3 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $130358.73 | 19.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223961847 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4418.13 | $6126.49 |  | 7.669% | $2228.75 | $2228.75 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $115849.95 | 1 | XXXX | $1752.00 | XXXX | $146.00 |  |  |  |  |  | 10.589% | 10.589% | 10.589% | [Redacted] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Employer Letter - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; WVOE - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4418.13 |  | 6.750% | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 2 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $1487334.46 | 100.000% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 376.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223961848 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1023.46 | $1023.46 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $602.04 | XXXX | $50.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 115.48 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223961892 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3042.90 | $5306.19 |  | 7.523% | $666.06 | $666.06 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6700.94 | 1 | XXXX | $3354.00 | XXXX | $279.50 |  |  |  |  |  | 32.895% | 32.895% | 32.895% | [Redacted] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3042.90 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 1 |  | 0 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $87279.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223961894 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1131.11 | $1131.11 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $663.72 | XXXX | $55.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | XXXX | $45304.73 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.33 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223961897 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $31340.00 | $35522.17 |  | 8.493% | $11156.31 | $11156.31 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $51313.74 | 1 | XXXX | $7325.04 | XXXX | $610.42 |  |  |  |  |  | 23.396% | 23.396% | 23.396% | [Redacted] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $31340.00 |  | 6.610% | $0.00 | 4.7 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223962527 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4735.00 | $5245.33 |  | 8.549% | $733.07 | $733.07 | 7.990% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Mexico | Mexico |  |  | $3369.87 | 1 | XXXX | $1221.00 | XXXX | $101.75 |  |  |  |  |  | 36.752% | 36.752% | 36.752% | [Redacted] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4735.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 30 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 46.64 |  |  | No |  | $0.00 | $3163.33 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No |
| 223962528 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1136.25 | $1136.25 | 7.990% | No | No |  |  |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | XXXX | $2190.12 | XXXX | $182.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XXXX | $97402.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 139.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223962532 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1580.96 | $1580.96 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | XXXX | $1947.96 | XXXX | $162.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223962533 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $966.86 | $966.86 | 9.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3684.00 | XXXX | $307.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | XXXX | $1130.52 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223962534 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1263.73 | $1263.73 | 7.250% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1614.12 | XXXX | $134.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXX | $99135.00 | 39.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223962686 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6605.32 | $6605.32 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $5274.48 | XXXX | $439.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXX | $587273.52 | 50.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.39 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223962687 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6721.00 | $18118.94 |  | 7.677% | $6810.35 | $6810.35 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10117.81 | 1 | XXXX | $2172.00 | XXXX | $181.00 |  |  |  |  |  | 49.914% | 49.914% | 49.914% | [Redacted] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 74.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - Disability]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2017<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6721.00 |  | 6.750% | $0.00 | 2.3 |  |  |  | Yes | No | 7.500% | 1 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $21619.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.5 |  |  | No |  | $5415.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223962726 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8440.00 | $10400.87 |  | 7.673% | $3831.70 | $3831.70 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17181.49 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 29.293% | 29.293% | 29.293% | [Redacted] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8440.00 |  | 6.750% | $0.00 | 1.5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $2242657.20 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 346.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223962754 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $8845.00 | $10740.80 |  | 7.613% | $2956.09 | $2956.09 | 7.375% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8191.62 | 1 | XXXX | $1905.00 | XXXX | $158.75 |  |  |  |  |  | 42.167% | 42.167% | 42.167% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8845.00 |  | 6.830% | $5000.00 | 1 | DU |  | ApproveIneligible | Yes | No | 7.375% | 0 | 0 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $150242.85 | 28.080% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.5 |  | No | No |  | $1612.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963486 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $664.63 | $664.63 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $600.00 | XXXX | $50.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963524 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1637.22 | $1637.22 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | XXXX | $2907.96 | XXXX | $242.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  |  |  |  |  | XXXX | $46989.68 | 14.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223963569 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4943.45 | $4943.45 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2177.04 | XXXX | $181.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.24 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223963578 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4320.10 | $4320.10 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | XXXX | $2001.96 | XXXX | $166.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | 789 | 735 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 51.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223963581 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1436.23 | $1436.23 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1488.96 | XXXX | $124.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXX | $93893.55 | 38.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.9 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223963587 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $17765.60 | $26384.36 |  | 7.318% | $8224.76 | $8224.76 | 7.125% | Yes | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17552.85 | 1 | XXXX | $3454.32 | XXXX | $287.86 |  |  |  |  |  | 49.428% | 49.428% | 49.428% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17765.60 |  | 6.750% | $0.00 | 3.1 |  |  |  | Yes | No | 7.125% | 0 | 2 | 0 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $306346.20 | 20.070% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.94 |  | No | No |  | $0.00 | $12401.61 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963589 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7530.00 | $3902.44 |  | 6.929% | $3297.78 | $3297.78 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15101.16 | 1 | XXXX | $3114.96 | XXXX | $259.58 |  |  |  |  |  | 46.264% | 46.264% | 46.264% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7530.00 |  | 6.750% | $0.00 | 2.4 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $66856.48 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963591 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $16145.00 | $26508.86 |  | 7.798% | $12477.40 | $15519.85 | 8.600% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $339747.53 | 1 | XXXX | $5083.92 | XXXX | $423.66 |  |  |  |  |  | 8.365% | 8.197% | 8.365% | [Redacted] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16145.00 |  | 6.760% | $0.00 | 1 |  |  |  | No | No | 8.600% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $228386.07 | 4.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.65 |  | Yes | No |  | $370761.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963623 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1390.00 | $4477.50 |  | 8.496% | $7425.00 | $9431.14 | 8.586% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11734.38 | 1 | XXXX | $5477.76 | XXXX | $456.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1390.00 |  | 6.740% | $5000.00 | 1.2 |  |  |  | Yes | No | 8.586% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | XXXX | $1478977.01 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 138.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963629 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1637.22 | $1637.22 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | XXXX | $2907.96 | XXXX | $242.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | XXXX | $104489.68 | 32.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.45 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223963632 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $7224.80 | $8743.07 |  | 7.570% | $2967.14 | $2967.14 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $48784.61 | 1 | XXXX | $2499.96 | XXXX | $208.33 |  |  |  |  |  | 14.125% | 14.125% | 14.125% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7224.80 |  | 6.670% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 7.375% | 0 | 0 | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $14392.65 | 2.680% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963633 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2324.38 | $7183.68 |  | 6.852% | $3810.51 | $3810.51 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5459.64 | 1 | XXXX | $1738.08 | XXXX | $144.84 |  |  |  |  |  | 49.893% | 49.893% | 49.893% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2324.38 |  | 6.750% | $1500.00 | 1 |  |  |  | Yes | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $619908.19 | 52.750% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223963644 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1600.00 | $2527.48 |  | 6.936% | $1970.79 | $1970.79 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5464.66 | 1 | XXXX | $1386.00 | XXXX | $115.50 |  |  |  |  |  | 43.191% | 43.191% | 43.191% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1600.00 |  | 6.750% | $0.00 | 999 |  |  |  | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $297594.53 | 54.100% | No | 31 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.71 |  |  | No |  | $0.00 | $5161.42 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223964673 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4314.50 | $5037.39 |  | 8.985% | $1770.08 | $1770.08 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $19756.21 | 1 | XXXX | $3012.96 | XXXX | $251.08 |  |  |  |  |  | 11.197% | 11.197% | 11.197% | [Redacted] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4314.50 |  | 6.790% | $0.00 | 3 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $31513.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 15.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223964674 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4839.25 | $7975.80 |  | 8.362% | $2398.27 | $2398.27 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4203.19 | 1 | XXXX | $1071.96 | XXXX | $89.33 |  |  |  |  |  | 40.883% | 40.883% | 40.883% | [Redacted] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4839.25 |  | 6.750% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $91251.16 | 24.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223971959 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1048.28 | $1048.28 | 6.990% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | XXXX | $633.96 | XXXX | $52.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | XXXX | $81472.55 | 38.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223971969 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7750.00 | $9884.85 |  | 9.027% | $4901.17 | $4901.17 | 8.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $26255.83 | 1 | XXXX | $3116.04 | XXXX | $259.67 |  |  |  |  |  | 27.100% | 27.100% | 27.100% | [Redacted] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7750.00 |  | 6.750% | $0.00 | 2.3 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $11905.23 | 1.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 3.98 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223971974 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3634.00 | $11781.75 |  | 9.055% | $13023.23 | $13023.23 | 8.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $77974.06 | 1 | XXXX | $2552.04 | XXXX | $212.67 |  |  |  |  |  | 16.087% | 16.087% | 16.087% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3634.00 |  | 6.750% | $2500.00 | 1.1 |  |  |  | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $353916.37 | 19.660% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223971978 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $17036.00 | $19424.62 |  | 8.003% | $9905.20 | $11252.91 | 8.586% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $244233.26 | 1 | XXXX | $3218.40 | XXXX | $268.20 |  |  |  |  |  | 5.623% | 5.102% | 5.623% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17036.00 |  | 6.590% | $9900.00 | 4.9 |  |  |  | No | No | 8.586% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $447806.15 | 24.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223971979 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5109.00 | $8215.24 |  | 8.870% | $2122.20 | $2137.34 | 8.577% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9694.80 | 1 | XXXX | $4668.96 | XXXX | $389.08 |  |  |  |  |  | 41.161% | 43.292% | 41.161% | [Redacted] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5109.00 |  | 6.770% | $1000.00 | 2 | DU |  | ApproveEligible | Yes | No | 8.577% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5000.00 | 1.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.5 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223971980 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $17045.00 | $19280.34 |  | 9.180% | $5410.39 | $5410.39 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Mexico | Mexico |  |  | $14686.96 | 1 | XXXX | $3783.96 | XXXX | $315.33 |  |  |  |  |  | 45.521% | 45.521% | 45.521% | [Redacted] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17045.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $184177.89 | 23.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.56 |  | No | No |  | $26959.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No |
| 223971981 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1869.27 | $1869.27 | 6.990% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | N/A |  |  |  |  |  |  | 1 | XXXX | $863.04 | XXXX | $71.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | XXXX | $160360.88 | 42.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223971996 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1063.41 | $1063.41 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $4662.96 | XXXX | $388.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.13 | 0.32 |  |  |  |  |  |  |  | XXXX | $556178.03 | 85.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223972818 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5740.13 | $909.86 |  | 7.397% | $1849.28 | $1849.28 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $6432.67 | 1 | XXXX | $677.04 | XXXX | $56.42 |  |  |  |  |  | 24.835% | 24.835% | 24.835% | [Redacted] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5740.13 |  | 6.790% | $27600.00 | 1.1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $40462.25 | 12.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 7.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223972826 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12090.00 | $14288.06 |  | 8.764% | $7777.90 | $7777.90 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29890.71 | 1 | XXXX | $10314.24 | XXXX | $859.52 |  |  |  |  |  | 33.105% | 33.105% | 33.105% | [Redacted] | 628 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12090.00 |  | 6.750% | $0.00 | 3.1 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223973599 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1160.48 | $1160.48 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1292.04 | XXXX | $107.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | XXXX | $815566.74 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 323.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223973605 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2899.40 | $6341.90 |  | 7.349% | $3683.75 | $3683.75 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23476.25 | 1 | XXXX | $3930.96 | XXXX | $327.58 |  |  |  |  |  | 29.483% | 29.483% | 29.483% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2899.40 |  | 6.750% | $0.00 | 3.3 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $196329.44 | 29.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.59 |  | Yes | No |  | $0.00 | $15791.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223973606 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $962.72 | $962.72 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $645.96 | XXXX | $53.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | XXXX | $300822.65 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 170.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223973609 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1160.48 | $1160.48 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1292.04 | XXXX | $107.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX | $815556.74 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 312.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223973951 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4002.00 | $6663.87 |  | 7.276% | $3161.91 | $3161.91 | 6.990% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9504.49 | 1 | XXXX | $1701.96 | XXXX | $141.83 |  |  |  |  |  | 29.310% | 29.310% | 29.310% | [Redacted] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4002.00 |  | 6.000% | $3116.92 | 2.6 | DU |  | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1594493.44 | 100.000% | No | 39 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 425.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223973952 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1685.64 | $1685.64 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $866.04 | XXXX | $72.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 79.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223973954 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2790.00 | $3635.20 |  | 7.824% | $769.14 | $769.14 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10131.50 | 1 | XXXX | $1256.04 | XXXX | $104.67 |  |  |  |  |  | 34.282% | 34.282% | 34.282% | [Redacted] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2790.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $90285.85 | 42.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223974017 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2290.28 | $8377.52 |  | 6.933% | $7587.07 | $7587.07 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13923.45 | 1 | XXXX | $2454.00 | XXXX | $204.50 |  |  |  |  |  | 48.165% | 48.165% | 48.165% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2290.28 |  | 6.750% | $453426.00 | 1 |  |  |  | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $87704.28 | 5.310% | No | 18 | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.29 |  | Yes | No |  | $0.00 | $10816.06 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223974020 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14370.39 | $16252.99 |  | 9.152% | $3379.61 | $3379.61 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34679.36 | 1 | XXXX | $4397.04 | XXXX | $366.42 |  |  |  |  |  | 24.024% | 24.024% | 24.024% | [Redacted] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14370.39 |  | 6.790% | $0.00 | 1 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5000.00 | 0.930% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.45 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223974024 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10825.94 | $13547.16 |  | 7.449% | $8983.67 | $11664.29 | 7.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20594.34 | 1 | XXXX | $14448.24 | XXXX | $1204.02 |  |  |  |  |  | 45.005% | 37.847% | 45.005% | [Redacted] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10825.94 |  | 6.790% | $0.00 | 2.3 |  |  |  | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $795234.04 | 40.800% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.86 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223974025 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14370.00 | $16762.63 |  | 8.709% | $3883.97 | $3883.97 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12302.37 | 1 | XXXX | $2607.96 | XXXX | $217.33 |  |  |  |  |  | 47.074% | 47.074% | 47.074% | [Redacted] | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14370.00 |  | 6.610% | $278000.00 | 3 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $72392.15 | 9.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.7 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223974026 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7066.00 | $12431.56 |  | 7.084% | $2341.44 | $2341.44 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3027.71 | 1 | XXXX | $1647.00 | XXXX | $137.25 |  |  |  |  |  | 49.958% | 49.958% | 49.958% | [Redacted] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7066.00 |  | 6.750% | $0.00 | 1.4 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $10045.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223974028 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3159.38 | $3159.38 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3144.00 | XXXX | $262.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | XXXX | $489961.02 | 77.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223974729 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1182.47 | $1182.47 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $720.96 | XXXX | $60.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 180.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223974736 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1073.85 | $1073.85 | 8.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $459.00 | XXXX | $38.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 91.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223975453 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1149.28 | $1149.28 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $318.96 | XXXX | $26.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXX | $5000.00 | 2.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223975456 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5205.00 | $7131.55 |  | 7.096% | $1655.10 | $1655.10 | 6.500% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24975.70 | 1 | XXXX | $1065.00 | XXXX | $88.75 |  |  |  |  |  | 32.014% | 32.014% | 32.014% | [Redacted] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2015<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2014 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5205.00 |  | 6.070% | $0.00 | 1.5 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $291268.64 | 76.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.83 |  |  | No |  | $36736.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223975458 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6675.23 | $7579.58 |  | 7.921% | $3127.14 | $3127.14 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18578.61 | 1 | XXXX | $604.20 | XXXX | $50.35 |  |  |  |  |  | 31.612% | 31.612% | 31.612% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6675.23 |  | 6.750% | $15550.00 | 2.4 | LP / LPA |  | Accept/Eligible | No | No | 7.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $101631.71 | 20.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223975586 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8725.20 | $11882.44 |  | 7.498% | $3525.49 | $3525.49 | 7.250% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8445.69 | 1 | XXXX | $1421.64 | XXXX | $118.47 |  |  |  |  |  | 43.014% | 43.014% | 43.014% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8725.20 |  | 6.920% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $18610.42 |  | No |  | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.35 |  | No | No |  | $3127.34 | $2652.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223975593 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7096.38 | $5660.19 |  | 8.186% | $1993.36 | $1993.36 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4359.76 | 1 | XXXX | $1688.76 | XXXX | $140.73 |  |  |  |  |  | 34.120% | 34.120% | 34.120% | [Redacted] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7096.38 |  | 6.630% | $70000.00 | 1.3 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1000.00 | 0.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223976945 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3473.50 | $4027.82 |  | 9.349% | $988.80 | $988.80 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6373.89 | 1 | XXXX | $750.96 | XXXX | $62.58 |  |  |  |  |  | 21.300% | 21.300% | 21.300% | [Redacted] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3473.50 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 8.990% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $120987.20 | 73.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977275 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9190.00 | $10828.00 |  | 9.893% | $3633.70 | $3633.70 | 9.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23708.54 | 1 | XXXX | $6548.88 | XXXX | $545.74 |  |  |  |  |  | 36.379% | 36.379% | 36.379% | [Redacted] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2012<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9190.00 |  | 6.750% | $3000.00 | 1.5 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $14529.26 | 3.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.81 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977276 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4112.40 | $4112.40 | 6.990% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $2237.04 | XXXX | $186.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | XXXX | $339985.00 | 41.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223977283 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1970.00 | $4624.54 |  | 8.402% | $8512.81 | $8512.81 | 8.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44016.83 | 1 | XXXX | $2394.96 | XXXX | $199.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | No Ratio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1970.00 |  | 6.750% | $13000.00 | 1.7 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3608444.57 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 344.12 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977286 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6895.00 | $7947.90 |  | 10.133% | $1976.06 | $1976.06 | 9.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5682.42 | 1 | XXXX | $1440.96 | XXXX | $120.08 |  |  |  |  |  | 34.730% | 34.730% | 34.730% | [Redacted] | 602 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6895.00 |  | 6.750% | $345000.00 | 1.7 |  |  |  | No | No | 9.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $11061.63 | 2.250% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977288 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9735.40 | $11292.10 |  | 7.730% | $3261.14 | $3261.14 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6562.45 | 1 | XXXX | $935.04 | XXXX | $77.92 |  |  |  |  |  | 46.099% | 46.099% | 46.099% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9735.40 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $98141.25 | 16.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977292 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15235.00 | $18324.18 |  | 8.390% | $3518.72 | $3518.72 | 7.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $7131.41 | 1 | XXXX | $1471.20 | XXXX | $122.60 |  |  |  |  |  | 38.844% | 38.844% | 38.844% | [Redacted] | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15235.00 |  | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $18206.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 4.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223977294 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7529.00 | $8276.75 |  | 6.788% | $1734.71 | $1734.71 | 6.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $6681.96 | 1 | XXXX | $870.96 | XXXX | $72.58 |  |  |  |  |  | 30.529% | 30.529% | 30.529% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7529.00 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $10091.05 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 17.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223977299 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1600.78 | $1600.78 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $807.00 | XXXX | $67.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 137.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977302 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $923.58 | $923.58 | 6.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $4496.04 | XXXX | $374.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 77.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977313 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1918.80 | $1918.80 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3168.96 | XXXX | $264.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | XXXX | $222304.34 | 63.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977314 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1443.88 | $1443.88 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1658.04 | XXXX | $138.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 153 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223977334 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15666.00 | $17029.90 |  | 8.013% | $4699.66 | $4699.66 | 7.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11879.87 | 1 | XXXX | $2793.96 | XXXX | $232.83 |  |  |  |  |  | 42.903% | 42.903% | 42.903% | [Redacted] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 66.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15666.00 |  | 6.790% | $0.00 | 3.4 |  |  |  | No | No | 7.750% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $341944.07 |  | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.75 |  |  | No |  | $0.00 | $7020.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977336 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3475.60 | $5078.45 |  | 7.455% | $1642.68 | $1642.68 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4163.11 | 1 | XXXX | $1805.04 | XXXX | $150.42 |  |  |  |  |  | 49.984% | 49.984% | 49.984% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3475.60 |  | 6.750% | $2500.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.250% | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $185791.06 | 61.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977339 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7130.10 | $10865.91 |  | 7.664% | $2594.18 | $2594.18 | 7.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11203.39 | 1 | XXXX | $956.04 | XXXX | $79.67 |  |  |  |  |  | 32.648% | 32.648% | 32.648% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7130.10 |  | 6.750% | $750.00 | 1 |  |  |  | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $689319.53 | 100.000% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 115.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977341 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5740.84 | $2391.30 |  | 7.823% | $1862.60 | $1862.60 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14733.58 | 1 | XXXX | $758.04 | XXXX | $63.17 |  |  |  |  |  | 21.369% | 21.369% | 21.369% | [Redacted] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5740.84 |  | 6.790% | $10000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $103384.66 | 31.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.88 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977342 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $11455.00 | $12419.70 |  | 8.126% | $2378.49 | $2378.49 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $88880.12 | 1 | XXXX | $891.00 | XXXX | $74.25 |  |  |  |  |  | 15.778% | 15.778% | 15.778% | [Redacted] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 60.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11455.00 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $924567.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 266.13 |  | No | No |  | $105531.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977861 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $942.77 | $942.77 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | N/A |  |  |  |  |  |  | 1 | XXXX | $1464.96 | XXXX | $122.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.2 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223977863 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1242.19 | $1242.19 | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1763.04 | XXXX | $146.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | 763 | 754 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XXXX | $24795.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 60.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223977865 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1994.76 | $1994.76 | 6.875% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | N/A | US Citizen |  |  |  |  |  | 1 | XXXX | $1469.88 | XXXX | $122.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 788 |  |  |  | 811 | 816 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  | No | 50.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223977867 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $10397.92 | $10397.92 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $10718.52 | XXXX | $893.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | XXXX | $892415.92 | 38.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223978345 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1344.81 | $1344.81 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1172.04 | XXXX | $97.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 48.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223978347 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3779.77 | $3779.77 | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3912.60 | XXXX | $326.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 999 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | XXXX | $610571.39 | 52.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 107.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223978349 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1208.68 | $1208.68 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $966.00 | XXXX | $80.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | XXXX | $7531.69 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.73 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223978887 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11155.00 | $12462.70 |  | 7.789% | $5237.67 | $5237.67 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9301.12 | 1 | XXXX | $4493.04 | XXXX | $374.42 |  |  |  |  |  | 44.466% | 44.466% | 44.466% | [Redacted] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11155.00 |  | 6.750% | $15000.00 | 2.6 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $385848.77 | 41.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223978888 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4600.00 | $7747.45 |  | 8.321% | $1910.09 | $2169.98 | 8.586% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8013.63 | 1 | XXXX | $422.16 | XXXX | $35.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4600.00 |  | 6.770% | $2008.08 | 1 |  |  |  | No | No | 8.586% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $953120.08 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | Yes | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 357.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223978977 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2951.62 | $2951.62 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $2219.64 | XXXX | $184.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | XXXX | $151767.82 | 29.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223978981 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1566.88 | $1566.88 | 7.990% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | XXXX | $1102.56 | XXXX | $91.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223978993 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3336.56 | $5981.95 |  | 7.213% | $1719.73 | $1719.73 | 6.990% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3299.97 | 1 | XXXX | $1482.84 | XXXX | $123.57 |  |  |  |  |  | 38.914% | 38.914% | 38.914% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3336.56 |  | 6.790% | $2000.00 | 1 |  |  |  | No | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $223025.01 | 64.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.19 |  |  | No |  | $2536.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979106 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6116.80 | $6761.34 |  | 9.636% | $1210.69 | $1210.69 | 9.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5183.89 | 1 | XXXX | $1433.04 | XXXX | $119.42 |  |  |  |  |  | 28.589% | 28.589% | 28.589% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6116.80 |  | 6.750% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 9.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $6667.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979113 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10730.00 | $12340.55 |  | 7.854% | $8023.82 | $8023.82 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $130035.61 | 1 | XXXX | $4383.96 | XXXX | $365.33 |  |  |  |  |  | 11.716% | 11.716% | 11.716% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10730.00 |  | 6.630% | $0.00 | 4.2 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $67756.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.51 |  | No | No |  | $73646.48 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979140 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1970.79 | $1970.79 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $3298.44 | XXXX | $274.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 824 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.56 |  |  |  |  |  |  |  | XXXX | $978662.10 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 130.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979143 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1537.18 | $1537.18 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1104.96 | XXXX | $92.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | XXXX | $105045.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 56.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223979160 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $4961.18 |  | 6.913% | $1848.50 | $1848.50 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17132.73 | 1 | XXXX | $1498.92 | XXXX | $124.91 |  |  |  |  |  | 40.454% | 40.454% | 40.454% | [Redacted] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.750% | $12000.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1252123.98 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 187.14 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979162 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1160.48 | $1160.48 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1292.04 | XXXX | $107.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXX | $1014707.14 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 408.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979440 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1694.81 | $1694.81 | 6.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1104.96 | XXXX | $92.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | XXXX | $2291.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223979726 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3610.00 | $4810.60 |  | 7.158% | $1051.09 | $1051.09 | 6.875% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5932.72 | 1 | XXXX | $585.00 | XXXX | $48.75 |  |  |  |  |  | 48.623% | 48.623% | 48.623% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3610.00 |  | 6.750% | $4000.00 | 1.9 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1377229.82 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 831.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979728 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1295.00 | $8753.55 |  | 8.152% | $12291.67 | $17465.07 | 8.586% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $76456.14 | 1 | XXXX | $7294.32 | XXXX | $607.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1295.00 |  | 6.770% | $0.00 | 1 |  |  |  | No | No | 8.586% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | XXXX | $6393116.26 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 316.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223979730 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3932.51 | $14623.50 |  | 7.067% | $2908.96 | $2908.96 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29815.47 | 1 | XXXX | $141.00 | XXXX | $11.75 |  |  |  |  |  | 17.474% | 17.474% | 17.474% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3932.51 |  | 6.750% | $10000.00 | 1.5 | DU |  | ApproveEligible | Yes | No | 6.750% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $690970.45 | 100.000% | No | 7 | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 128.59 |  | No | No |  | $0.00 | $11128.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223980100 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $68012.50 | $26994.33 |  | 7.989% | $6038.20 | $6786.60 | 8.335% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24296.25 | 1 | XXXX | $1413.00 | XXXX | $117.75 |  |  |  |  |  | 45.737% | 44.065% | 45.737% | [Redacted] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $68012.50 |  | 6.590% | $0.00 | 2.7 |  |  |  | Yes | No | 8.335% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $4042688.37 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 504.42 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223980101 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $5981.68 | $5981.68 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $2426.16 | XXXX | $202.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | 754 | 786 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | XXXX | $418829.72 | 37.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 19.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223980174 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1374.50 | $1374.50 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $956.04 | XXXX | $79.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | 763 | 754 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.8 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XXXX | $35502.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 64.24 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223980183 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7896.00 | $9287.65 |  | 7.658% | $3971.54 | $3971.54 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13593.66 | 1 | XXXX | $4866.96 | XXXX | $405.58 |  |  |  |  |  | 34.656% | 34.656% | 34.656% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7896.00 |  | 6.790% | $5000.00 | 2.3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $216454.29 | 30.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223980380 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3165.00 | $4027.15 |  | 7.786% | $690.68 | $690.68 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1749.20 | 1 | XXXX | $1128.96 | XXXX | $94.08 |  |  |  |  |  | 43.070% | 43.070% | 43.070% | [Redacted] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3165.00 |  | 6.750% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $361150.34 | 90.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.16 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223981454 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3390.00 | $5811.70 |  | 7.983% | $1719.39 | $1719.39 | 7.750% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6569.07 | 1 | XXXX | $1104.00 | XXXX | $92.00 |  |  |  |  |  | 44.392% | 44.392% | 44.392% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3390.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $106958.68 | 35.650% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.37 |  | No | No |  | $0.00 | $8563.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982589 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1174.15 | $1174.15 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $2394.96 | XXXX | $199.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.77 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223982590 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3323.16 | $3323.16 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | XXXX | $6353.04 | XXXX | $529.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982591 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1440.86 | $1440.86 | 8.625% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1574.88 | XXXX | $131.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 2462.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223982595 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1728.01 | $1728.01 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1608.96 | XXXX | $134.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | XXXX | $1723857.12 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 781.32 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223982598 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $9370.25 | $10482.85 |  | 8.144% | $1980.88 | $1980.88 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18185.89 | 1 | XXXX | $1592.16 | XXXX | $132.68 |  |  |  |  |  | 37.211% | 37.211% | 37.211% | [Redacted] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9370.25 |  | 6.770% | $0.00 | 2.6 |  |  |  | No | No | 7.750% | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  | Other |  |  |  |  | XXXX | $2080305.19 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 719.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982614 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3117.09 | $16187.19 |  | 7.186% | $5257.87 | $5257.87 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19188.22 | 1 | XXXX | $2363.04 | XXXX | $196.92 |  |  |  |  |  | 44.501% | 44.501% | 44.501% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3117.09 |  | 6.750% | $4000.00 | 1.4 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $927729.93 | 93.810% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 107.16 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982719 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15840.00 | $18016.40 |  | 6.961% | $12481.65 | $12481.65 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23466.28 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 39.546% | 39.546% | 39.546% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15840.00 |  | 6.750% | $7000.00 | 1 |  |  |  | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1264546.26 | 53.240% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.47 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982724 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1744.66 | $1744.66 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1442.04 | XXXX | $120.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | XXXX | $365423.89 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 134.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982728 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1694.74 | $1694.74 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1602.96 | XXXX | $133.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | XXXX | $1723857.12 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 717.02 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223982729 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15580.00 | $17365.72 |  | 7.905% | $8957.95 | $10842.16 | 8.586% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48353.78 | 1 | XXXX | $2483.04 | XXXX | $206.92 |  |  |  |  |  | 26.596% | 26.336% | 26.596% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15580.00 |  | 6.770% | $400000.00 | 2.2 |  |  |  | Yes | No | 8.586% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $771040.00 | 35.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.93 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982754 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $14992.00 | $16130.10 |  | 9.699% | $2619.90 | $2619.90 | 9.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2928.41 | 4 | XXXX | $3683.16 | XXXX | $306.93 |  |  |  |  |  | 39.647% | 39.647% | 39.647% | [Redacted] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14992.00 |  | 6.750% | $0.00 |  |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223982908 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $12196.66 | $12196.66 | 6.375% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | XXXX | $5163.72 | XXXX | $430.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | XXXX | $436168.82 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223983047 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $73087.00 | $25122.90 |  | 8.133% | $6667.83 | $7866.19 | 8.586% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $106043.09 | 1 | XXXX | $12502.68 | XXXX | $1041.89 |  |  |  |  |  | 21.204% | 21.248% | 21.204% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2009<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $73087.00 |  | 6.770% | $0.00 | 2.7 |  |  |  | Yes | No | 8.586% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $322200.41 | 22.220% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223983048 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10362.00 | $1842.16 |  | 7.981% | $3993.75 | $3993.75 | 7.990% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $108721.52 | 1 | XXXX | $1907.04 | XXXX | $158.92 |  |  |  |  |  | 9.548% | 9.548% | 9.548% | [Redacted] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% | 20.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Cross Country | $10362.00 |  | 6.630% | $155580.00 | 4.4 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $47612.96 | 6.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.25 |  | Yes | No |  | $24039.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223983049 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11593.98 | $46357.55 |  | 6.902% | $18621.25 | $18621.25 | 6.750% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $86617.88 | 1 | XXXX | $10671.96 | XXXX | $889.33 |  |  |  |  |  | 23.874% | 23.874% | 23.874% | [Redacted] | 749 | 763 | 772 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 12 | Business | 100.000% |  | 53.500% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 53.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 53.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 53.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 53.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11593.98 |  | 6.790% | $0.00 | 2.4 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $251558.84 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 14.89 |  | No | No |  | $113782.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223983055 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4302.50 | $6325.97 |  | 7.297% | $7674.48 | $7674.48 | 7.250% | No | No | Employed | Employed | Employed |  | 7.98 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $24440.64 | 1 | XXXX | $1778.04 | XXXX | $148.17 |  |  |  |  |  | 47.613% | 47.613% | 47.613% | [Redacted] | 765 | 785 | 771 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4302.50 |  | 6.750% | $0.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $642680.12 | 42.840% | No | 30 | 30 | 30 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 25.37 |  | No | No |  | $0.00 | $27816.88 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223983069 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2077.60 | $2077.60 | 7.750% | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 1 | XXXX | $1341.96 | XXXX | $111.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 809 |  |  |  | 671 | 633 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | XXXX | $52721.76 | 14.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 28.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223986866 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $10970.00 | $5661.01 |  | 7.250% | $985.39 | $985.39 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16442.71 | 1 | XXXX | $579.96 | XXXX | $48.33 |  |  |  |  |  | 23.471% | 23.471% | 23.471% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10970.00 |  | 6.790% | $0.00 |  |  |  |  | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1099934.14 | 100.000% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 151.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223986869 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $5090.00 | $5646.15 |  | 8.541% | $1327.83 | $1327.83 | 7.875% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Brazil | Brazil |  | $45247.60 | 1 | XXXX | $912.00 | XXXX | $76.00 |  |  |  |  |  | 10.567% | 10.567% | 10.567% | [Redacted] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5090.00 |  | 6.070% | $0.00 | 3.8 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $50536.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Passport | Passport |  | No | 101.21 |  |  | No |  | $50593.57 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No |
| 223987375 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3245.14 | $3245.14 | 8.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2367.96 | XXXX | $197.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987414 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $13490.00 | $18567.82 |  | 9.042% | $9309.05 | $9309.05 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44663.40 | 1 | XXXX | $4270.68 | XXXX | $355.89 |  |  |  |  |  | 21.925% | 21.925% | 21.925% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $13490.00 |  | 6.750% | $0.00 | 1.9 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $40000.00 | 3.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987419 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $7087.00 | $8769.30 |  | 8.887% | $1126.90 | $1126.90 | 8.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3098.14 | 1 | XXXX | $1464.00 | XXXX | $122.00 |  |  |  |  |  | 44.049% | 44.049% | 44.049% | [Redacted] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7087.00 |  | 6.750% | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987424 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $25688.36 | $28329.76 |  | 7.821% | $6045.97 | $6045.97 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19320.61 | 1 | XXXX | $2896.20 | XXXX | $241.35 |  |  |  |  |  | 28.237% | 28.237% | 28.237% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $25688.36 |  | 6.770% | $0.00 | 3.2 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $204056.23 | 20.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987492 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3335.32 | $3335.32 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1263.00 | XXXX | $105.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXX | $10000.00 | 1.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223987494 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1953.29 | $1953.29 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $1854.96 | XXXX | $154.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | XXXX | $9833.07 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987623 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $16433.18 |  | 7.039% | $5863.09 | $5863.09 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26783.15 | 1 | XXXX | $2289.96 | XXXX | $190.83 |  |  |  |  |  | 36.510% | 36.510% | 36.510% | [Redacted] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.750% | $0.00 | 1.4 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $107393.33 | 10.220% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.95 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987626 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1690.00 | $3096.35 |  | 7.368% | $1705.44 | $1705.44 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3124.67 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 44.039% | 44.039% | 44.039% | [Redacted] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2010<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2010 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $228000.32 | 62.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987627 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2090.00 | $10049.97 |  | 7.421% | $11603.34 | $11603.34 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $60632.97 | 1 | XXXX | $4190.04 | XXXX | $349.17 |  |  |  |  |  | 34.985% | 34.985% | 34.985% | [Redacted] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2090.00 |  | 6.750% | $10000.00 | 2.3 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $690658.10 | 32.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.13 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987629 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4377.50 | $5469.41 |  | 8.215% | $1832.67 | $1832.67 | 7.990% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9629.69 | 1 | XXXX | $896.04 | XXXX | $74.67 |  |  |  |  |  | 48.148% | 48.148% | 48.148% | [Redacted] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099 - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 - 2023<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4377.50 |  | 6.750% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.990% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1125667.29 | 100.000% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 278.69 |  | No | No |  | $0.00 | $13250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987630 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5478.75 | $14727.66 |  | 6.780% | $3128.74 | $3128.74 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20458.25 | 1 | XXXX | $5317.32 | XXXX | $443.11 |  |  |  |  |  | 28.383% | 28.383% | 28.383% | [Redacted] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5478.75 |  | 6.630% | $0.00 | 1.9 |  |  |  | No | No | 6.500% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1598290.63 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 295.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987631 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4736.00 | $7887.95 |  | 9.444% | $855.57 | $855.57 | 8.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1146.67 | 1 | XXXX | $1416.00 | XXXX | $118.00 |  |  |  |  |  | 48.040% | 48.040% | 48.040% | [Redacted] | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4736.00 |  | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5991.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223987632 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $731.09 | $731.09 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2901.96 | XXXX | $241.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.78 | 0.36 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223988812 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3726.80 | $6247.86 |  | 7.032% | $2517.35 | $2517.35 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3635.18 | 1 | XXXX | $1472.64 | XXXX | $122.72 |  |  |  |  |  | 43.819% | 43.819% | 43.819% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3726.80 |  | 6.750% | $9580.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223988813 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3260.00 | $7899.64 |  | 6.349% | $4390.18 | $4390.18 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11420.50 | 1 | XXXX | $2520.96 | XXXX | $210.08 |  |  |  |  |  | 43.790% | 43.790% | 43.790% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3260.00 |  | 6.750% | $0.00 | 1.4 |  |  |  | No | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $361207.15 | 35.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223989351 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3546.00 | $4383.12 |  | 7.817% | $985.89 | $985.89 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28358.36 | 1 | XXXX | $1842.00 | XXXX | $153.50 |  |  |  |  |  | 16.288% | 16.288% | 16.288% | [Redacted] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3546.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $16137.63 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992824 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1844.40 | $2792.12 |  | 7.453% | $2342.77 | $2342.77 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4931.12 | 1 | XXXX | $789.96 | XXXX | $65.83 |  |  |  |  |  | 45.635% | 45.635% | 45.635% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1844.40 |  | 6.750% | $12000.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $105144.63 | 24.790% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992836 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $14501.39 | $14501.39 | 7.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $10053.96 | XXXX | $837.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | XXXX | $1878791.25 | 62.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223992842 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5140.00 | $5708.54 |  | 8.234% | $707.79 | $707.79 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2620.48 | 1 | XXXX | $1409.04 | XXXX | $117.42 |  |  |  |  |  | 28.835% | 28.835% | 28.835% | [Redacted] | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5140.00 |  | 6.610% | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992852 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7226.25 | $8935.27 |  | 7.238% | $2359.44 | $2359.44 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3803.70 | 1 | XXXX | $1429.20 | XXXX | $119.10 |  |  |  |  |  | 47.856% | 47.856% | 47.856% | [Redacted] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7226.25 |  | 6.750% | $0.00 | 1.5 |  |  |  | Yes | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $392892.85 | 64.400% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.32 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992854 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14758.75 | $27949.60 |  | 8.286% | $7401.04 | $10697.36 | 8.586% | No | Yes | Non-Employment Income | Not Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $18119.24 | 1 | XXXX | $5847.72 | XXXX | $487.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | 711 | 704 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14758.75 |  | 6.770% | $5000.00 | 1.9 |  |  |  | Yes | No | 8.586% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | XXXX | $2581256.84 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 184.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992855 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $22919.56 | $6762.02 |  | 7.695% | $2407.05 | $2407.05 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12629.60 | 2 | XXXX | $1670.04 | XXXX | $139.17 |  |  |  |  |  | 50.478% | 50.478% | 50.478% | [Redacted] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $22919.56 |  | 6.830% | $2500.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $523260.00 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 113.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992859 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $906.34 | $906.34 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $596.04 | XXXX | $49.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.14 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223992860 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6380.89 | $19130.97 |  | 8.076% | $9042.56 | $9901.33 | 8.586% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46657.20 | 1 | XXXX | $2658.00 | XXXX | $221.50 |  |  |  |  |  | 44.517% | 43.496% | 44.517% | [Redacted] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6380.89 |  | 6.560% | $3500.00 | 1.1 |  |  |  | No | No | 8.586% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $682378.85 | 42.720% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992861 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $25635.00 | $36235.52 |  | 7.512% | $6385.50 | $6385.50 | 7.125% | No | No | Self-Employed | Not Employed | Self-Employed |  | 10.75 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $30646.20 | 1 | XXXX | $3871.20 | XXXX | $322.60 |  |  |  |  |  | 37.013% | 37.013% | 37.013% | [Redacted] | 780 | 780 | 779 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $25635.00 |  | 6.750% | $250000.00 | 5 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $368607.32 | 27.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 32.77 |  | Yes | No |  | $27686.59 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992862 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1490.00 | $4514.64 |  | 7.300% | $1697.77 | $1697.77 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9855.17 | 1 | XXXX | $2230.44 | XXXX | $185.87 |  |  |  |  |  | 45.172% | 45.172% | 45.172% | [Redacted] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1490.00 |  | 6.750% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.125% | 2 | 3 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $727331.36 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 308.9 |  | No | No |  | $0.00 | $11665.38 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992863 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $18745.00 | $21370.99 |  | 8.495% | $4474.97 | $4959.96 | 8.586% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9208.30 | 1 | XXXX | $909.60 | XXXX | $75.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18745.00 |  | 6.770% | $0.00 | 1.3 |  |  |  | No | No | 8.586% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1030618.12 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 244.79 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992867 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1990.00 | $2783.98 |  | 7.463% | $2078.93 | $2078.93 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14322.41 | 1 | XXXX | $5021.40 | XXXX | $418.45 |  |  |  |  |  | 46.300% | 46.300% | 46.300% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 3 | 3 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $387859.95 |  | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.47 |  | No | No |  | $0.00 | $13234.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992874 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $16389.60 | $3078.33 |  | 7.982% | $2059.14 | $2059.14 | 7.875% | No | No | Not Employed | Non-Employment Income | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $65695.61 | 1 | XXXX | $1874.04 | XXXX | $156.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | 764 | 761 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $16389.60 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $6342682.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 1980.6 |  | No | No |  | $130097.91 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992960 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3170.00 | $3942.26 |  | 7.753% | $1104.76 | $1104.76 | 7.500% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6792.46 | 1 | XXXX | $1204.56 | XXXX | $100.38 |  |  |  |  |  | 37.910% | 37.910% | 37.910% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3170.00 |  | 6.790% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $205010.18 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 76.12 |  | No | No |  | $6516.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223992963 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1837.70 | $1837.70 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | N/A |  |  |  |  |  |  | 1 | XXXX | $462.00 | XXXX | $38.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223992975 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2228.53 | $2228.53 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $785.76 | XXXX | $65.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | 746 | 768 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XXXX | $315757.59 | 83.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 83.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223993090 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $10005.00 | $13051.64 |  | 7.316% | $11481.03 | $11481.03 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $58442.24 | 1 | XXXX | $3362.04 | XXXX | $280.17 |  |  |  |  |  | 25.745% | 25.745% | 25.745% | [Redacted] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $10005.00 |  | 6.750% | $500.00 | 2.6 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 1 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $303011.90 | 15.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 7.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993092 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1233.90 | $1233.90 | 6.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $582.96 | XXXX | $48.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.1 |  |  |  | Yes | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXX | $153823.16 | 46.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993143 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1496.73 | $1496.73 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2046.00 | XXXX | $170.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | XXXX | $218325.21 | 51.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993164 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $11430.00 | $12550.02 |  | 7.503% | $3390.42 | $3390.42 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $54182.16 | 1 | XXXX | $3667.92 | XXXX | $305.66 |  |  |  |  |  | 35.543% | 35.543% | 35.543% | [Redacted] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $11430.00 |  | 6.750% | $0.00 | 3.4 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993242 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5815.00 | $7002.95 |  | 7.330% | $5627.95 | $5627.95 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11771.41 | 1 | XXXX | $4454.76 | XXXX | $371.23 |  |  |  |  |  | 46.766% | 46.766% | 46.766% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5815.00 |  | 6.610% | $0.00 | 1.4 |  |  |  | Yes | No | 7.250% | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | XXXX | $481356.13 | 42.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.65 |  | Yes | No |  | $9972.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993411 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2492.37 | $2492.37 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $2794.32 | XXXX | $232.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $10397.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993481 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2640.00 | $3345.01 |  | 7.667% | $1398.43 | $1398.43 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4767.52 | 1 | XXXX | $425.04 | XXXX | $35.42 |  |  |  |  |  | 47.101% | 47.101% | 47.101% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2640.00 |  | 6.750% | $0.00 | 2.3 |  |  |  | Yes | No | 7.500% | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993488 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1414.16 | $1414.16 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1049.88 | XXXX | $87.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993491 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1776.42 | $1776.42 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $803.04 | XXXX | $66.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223993493 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8938.50 | $9880.42 |  | 8.386% | $1949.96 | $1949.96 | 7.990% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12965.46 | 1 | XXXX | $2138.88 | XXXX | $178.24 |  |  |  |  |  | 16.332% | 16.332% | 16.332% | [Redacted] | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8938.50 |  | 6.750% | $3000.00 | 2.6 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $202615.56 | 53.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 30.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993495 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $5697.41 |  | 6.917% | $1216.59 | $1216.59 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2107.17 | 1 | XXXX | $771.00 | XXXX | $64.25 |  |  |  |  |  | 47.648% | 47.648% | 47.648% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 83.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Legal Separation Agreement - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $600.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $303134.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993504 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2296.50 | $3642.57 |  | 7.408% | $5570.30 | $5570.30 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12286.33 | 1 | XXXX | $7264.68 | XXXX | $605.39 |  |  |  |  |  | 47.118% | 47.118% | 47.118% | [Redacted] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2296.50 |  | 6.750% | $0.00 | 3.8 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993509 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2912.89 | $2912.89 | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | XXXX | $3130.20 | XXXX | $260.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 53.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223993511 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1055.81 | $1055.81 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1348.44 | XXXX | $112.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.2 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXX | $102467.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223993526 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $11458.33 | $11458.33 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | Not Provided |  |  |  |  |  |  | 4 | XXXX | $11085.36 | XXXX | $923.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  | 240 | XXXX | $10425197.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 747.73 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223994058 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1890.00 | $3389.39 |  | 6.762% | $9213.75 | $12454.76 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36193.98 | 1 | XXXX | $15399.60 | XXXX | $1283.30 |  |  |  |  |  | 34.369% | 28.492% | 34.369% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1890.00 |  | 6.750% | $0.00 | 1.9 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX | $515083.71 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994060 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1621.50 | $1621.50 | 6.750% | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $4736.52 | XXXX | $394.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.5 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Business Entity | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 78.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994063 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6355.31 | $7074.55 |  | 7.694% | $1548.84 | $1548.84 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11163.18 | 1 | XXXX | $465.00 | XXXX | $38.75 |  |  |  |  |  | 34.552% | 34.552% | 34.552% | [Redacted] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6355.31 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $127841.19 | 42.750% | No | 4 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.56 |  | No | No |  | $0.00 | $5806.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994064 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2049.79 | $2049.79 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1022.64 | XXXX | $85.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $151786.49 | 34.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223994075 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4646.25 | $7966.82 |  | 7.935% | $7993.89 | $7993.89 | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17671.83 | 1 | XXXX | $2679.00 | XXXX | $223.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4646.25 |  | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $3008019.78 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 294.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994093 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5076.00 | $7305.16 |  | 7.545% | $2900.84 | $2900.84 | 7.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10538.87 | 1 | XXXX | $1169.04 | XXXX | $97.42 |  |  |  |  |  | 30.544% | 30.544% | 30.544% | [Redacted] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5076.00 |  | 6.670% | $5500.00 | 2.5 | LP / LPA |  | Accept/Eligible | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $155810.95 | 29.670% | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994101 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3067.87 | $3067.87 | 6.750% | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 1 | XXXX | $2043.00 | XXXX | $170.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.5 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | LLC | Business Entity | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 112.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994136 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1495.00 | $3108.14 |  | 7.009% | $8108.50 | $8108.50 | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20853.02 | 1 | XXXX | $4074.00 | XXXX | $339.50 |  |  |  |  |  | 36.370% | 36.370% | 36.370% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1495.00 |  | 6.750% | $0.00 | 4.6 |  |  |  | No | No | 6.990% | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $513264.09 | 33.650% | No |  | 11 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.65 |  |  | No |  | $0.00 | $6615.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994139 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6267.13 | $7481.77 |  | 7.691% | $2747.91 | $2747.91 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $55865.73 | 1 | XXXX | $1518.48 | XXXX | $126.54 |  |  |  |  |  | 12.959% | 12.959% | 12.959% | [Redacted] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6267.13 |  | 6.920% | $0.00 | 2 | DU |  | ApproveEligible | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 110.02 |  |  | No |  | $32091.43 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223994169 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1719.39 | $1719.39 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $393.00 | XXXX | $32.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $7486.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.47 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223994281 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $16158.25 | $16158.25 | 6.875% | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | XXXX | $20790.72 | XXXX | $1732.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | 776 | 755 | 763 | 725 | 738 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  | 240 | XXXX | $2821473.89 | 60.030% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 110.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223995065 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2171.51 | $2171.51 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $2613.96 | XXXX | $217.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995230 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2297.28 | $2297.28 | 6.875% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | XXXX | $933.72 | XXXX | $77.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | XXXX | $428305.39 | 79.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995231 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1221.26 | $1221.26 | 6.990% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | XXXX | $1617.24 | XXXX | $134.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 5 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXX | $90584.00 | 36.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 223995233 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7685.00 | $8824.65 |  | 8.926% | $2485.04 | $2485.04 | 8.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6546.39 | 1 | XXXX | $961.68 | XXXX | $80.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7685.00 |  | 6.790% | $5000.00 | 2.1 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $533098.25 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 170.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995234 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3794.00 | $4576.50 |  | 7.406% | $1964.67 | $1964.67 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9971.34 | 1 | XXXX | $567.96 | XXXX | $47.33 |  |  |  |  |  | 40.258% | 40.258% | 40.258% | [Redacted] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3794.00 |  | 6.790% | $0.00 | 1.5 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $113112.42 | 31.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995236 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6626.00 | $7140.76 |  | 7.440% | $2537.70 | $2537.70 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9182.10 | 1 | XXXX | $2043.96 | XXXX | $170.33 |  |  |  |  |  | 25.424% | 25.424% | 25.424% | [Redacted] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6626.00 |  | 6.750% | $0.00 | 4.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $37348.20 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995237 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3572.05 | $3572.05 | 6.875% | No | No |  |  |  |  | 0 |  |  | Foreign National | N/A |  |  |  |  |  |  | 1 | XXXX | $2793.00 | XXXX | $232.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXX | $131470.56 | 18.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995239 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $50140.00 | $53225.74 |  | 8.128% | $28589.64 | $28589.64 | 7.990% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $65673.81 | 1 | XXXX | $19679.16 | XXXX | $1639.93 |  |  |  |  |  | 41.807% | 41.807% | 41.807% | [Redacted] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $50140.00 |  | 6.610% | $0.00 | 2.9 |  |  |  | N/A | No | 7.990% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 19.17 | No |  |  |  |  |  |  |  |  |  | XXXX | $5102.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.72 |  |  | No |  | $71712.64 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995240 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1313.86 | $1313.86 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $926.88 | XXXX | $77.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | XXXX | $132160.13 | 52.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223995242 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2948.00 | $5335.85 |  | 7.591% | $1678.34 | $1678.34 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3006.66 | 1 | XXXX | $3334.08 | XXXX | $277.84 |  |  |  |  |  | 41.001% | 41.001% | 41.001% | [Redacted] | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Cross Country | $2948.00 |  | 6.750% | $8000.00 | 2.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $276360.12 | 66.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995246 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4749.25 | $5642.94 |  | 8.380% | $3583.54 | $3583.54 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14772.85 | 1 | XXXX | $1880.04 | XXXX | $156.67 |  |  |  |  |  | 26.744% | 26.744% | 26.744% | [Redacted] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4749.25 |  | 6.750% | $25000.00 | 1.4 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5000.00 | 0.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995249 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1258.72 | $1258.72 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1558.80 | XXXX | $129.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995253 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1089.99 | $1089.99 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1830.96 | XXXX | $152.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | 545 | 570 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.66 |  |  |  |  |  |  |  | XXXX | $105502.78 | 51.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 40.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223995429 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4615.00 | $5201.92 |  | 7.567% | $1951.16 | $1951.16 | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12209.67 | 1 | XXXX | $1581.96 | XXXX | $131.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4615.00 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $923971.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 319.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995431 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1579.69 | $1579.69 | 7.750% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | XXXX | $1393.08 | XXXX | $116.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.3 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | XXXX | $264612.96 | 84.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 68.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No |
| 223995527 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15717.50 | $5743.09 |  | 8.114% | $3403.27 | $3403.27 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $82155.09 | 1 | XXXX | $2454.96 | XXXX | $204.58 |  |  |  |  |  | 11.277% | 11.277% | 11.277% | [Redacted] | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2003 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15717.50 |  | 6.750% | $25000.00 | 1.5 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $252605.84 | 40.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.9 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995533 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5789.75 | $6356.02 |  | 8.818% | $2730.04 | $2730.04 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7095.04 | 1 | XXXX | $1746.96 | XXXX | $145.58 |  |  |  |  |  | 38.832% | 42.866% | 38.832% | [Redacted] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5789.75 |  | 6.770% | $9600.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $55901.63 | 14.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995611 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $2620.49 |  | 7.556% | $2735.33 | $2735.33 | 7.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16633.70 | 1 | XXXX | $1859.28 | XXXX | $154.94 |  |  |  |  |  | 28.671% | 28.671% | 28.671% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 73.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.750% | $6500.00 | 1.3 |  |  |  | No | No | 7.500% | 1 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $119176.87 | 23.140% | No | 200 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.82 |  | Yes | No |  | $17069.55 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995619 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $18607.50 | $19242.56 |  | 7.820% | $4440.01 | $4440.01 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10813.11 | 1 | XXXX | $2055.00 | XXXX | $171.25 |  |  |  |  |  | 37.010% | 37.010% | 37.010% | [Redacted] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18607.50 |  | 6.880% | $0.00 | 1.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $34285.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995623 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $26850.00 | $40895.59 |  | 7.309% | $8507.28 | $8507.28 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42778.17 | 1 | XXXX | $7266.96 | XXXX | $605.58 |  |  |  |  |  | 39.222% | 39.222% | 39.222% | [Redacted] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $26850.00 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $209584.84 | 13.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.62 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223995659 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3356.23 | $3356.23 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $3776.76 | XXXX | $314.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | XXXX | $353267.45 | 58.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.08 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223995813 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2123.83 | $2123.83 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $968.04 | XXXX | $80.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | 777 | 787 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $412741.29 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 157.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223996885 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3640.00 | $10515.39 |  | 7.173% | $2259.84 | $2259.84 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19630.19 | 1 | XXXX | $816.96 | XXXX | $68.08 |  |  |  |  |  | 18.774% | 18.774% | 18.774% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3640.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $106601.72 | 24.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.2 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223997088 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5511.25 | $6064.01 |  | 10.816% | $2099.33 | $2099.33 | 10.500% | No | No | Not Employed | Self-Employed | Employed |  | 2.41 |  |  | US Citizen | US Citizen |  |  |  |  |  | $5690.06 | 1 | XXXX | $2564.04 | XXXX | $213.67 |  |  |  |  |  | 40.803% | 40.803% | 40.803% | [Redacted] | 772 | 561 | 574 | 541 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 56.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Deposit Receipt - 2025<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Child Support Order - 2019 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5511.25 |  | 6.610% | $7650.00 | 3.3 |  |  |  | Yes | No | 10.500% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $68545.62 | 26.880% | No |  | 28 | 24 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 14.29 |  |  | No |  | $5953.06 | $3659.05 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223998155 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5669.33 | $2285.55 |  | 6.328% | $1523.90 | $1523.90 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18037.78 | 1 | XXXX | $1333.44 | XXXX | $111.12 |  |  |  |  |  | 28.884% | 28.884% | 28.884% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5669.33 |  | 6.750% | $25000.00 | 1 |  |  |  | No | No | 6.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1454622.98 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 587.73 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223998167 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1946.77 | $1946.77 | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1870.32 | XXXX | $155.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXX | $251518.93 | 49.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.35 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223999945 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2693.41 | $2693.41 | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $6297.00 | XXXX | $524.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXX | $401644.82 | 58.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223999951 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $2291.03 |  | 6.919% | $3731.36 | $3731.36 | 6.875% | No | Yes | Employed | Employed | Non-Employment Income | Non-Employment Income | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $27221.41 | 1 | XXXX | $3950.04 | XXXX | $329.17 |  |  |  |  |  | 36.452% | 36.452% | 36.452% | [Redacted] | 806 | 773 | 837 | 797 | 811 | 819 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $0.00 | 3.5 |  |  |  | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $167536.37 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  | No | 28.22 |  | No | No |  | $12522.34 | $5543.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223999960 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $17230.00 | $3777.71 |  | 7.644% | $1922.84 | $1922.84 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36404.71 | 1 | XXXX | $2271.00 | XXXX | $189.25 |  |  |  |  |  | 24.186% | 24.186% | 24.186% | [Redacted] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17230.00 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.45 |  | No | No |  | $24009.23 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223999964 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1834.38 | $1834.38 | 6.990% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1428.00 | XXXX | $119.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224000004 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6152.50 | $7380.93 |  | 7.613% | $4457.49 | $4457.49 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34537.10 | 1 | XXXX | $8357.64 | XXXX | $696.47 |  |  |  |  |  | 18.956% | 18.956% | 18.956% | [Redacted] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6152.50 |  | 6.610% | $0.00 | 1.4 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $789541.14 | 92.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000015 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3856.25 | $5840.04 |  | 8.237% | $1898.65 | $1898.65 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6564.40 | 1 | XXXX | $2991.00 | XXXX | $249.25 |  |  |  |  |  | 40.436% | 40.436% | 40.436% | [Redacted] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3856.25 |  | 6.750% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.990% | 0 |  | 0 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000018 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5349.51 | $1324.66 |  | 7.893% | $1228.99 | $1228.99 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9720.20 | 1 | XXXX | $1353.00 | XXXX | $112.75 |  |  |  |  |  | 13.692% | 13.692% | 13.692% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5349.51 |  | 6.750% | $12500.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5000.00 | 2.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000021 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2989.22 | $4488.14 |  | 8.102% | $717.70 | $717.70 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1283.35 | 1 | XXXX | $1341.96 | XXXX | $111.83 |  |  |  |  |  | 49.771% | 49.771% | 49.771% | [Redacted] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2989.22 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000032 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15574.06 | $15785.37 |  | 8.527% | $4761.15 | $4761.15 | 8.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6072.71 | 1 | XXXX | $2775.12 | XXXX | $231.26 |  |  |  |  |  | 48.639% | 48.639% | 48.639% | [Redacted] | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 45.000% | 49.000% | 51.000% |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15574.06 |  | 6.750% | $0.00 | 2.4 |  |  |  | No | No | 8.250% | 2 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.83 |  |  | No |  | $2706.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000033 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7983.75 | $10112.20 |  | 7.466% | $3172.12 | $3172.12 | 7.250% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5637.14 | 1 | XXXX | $2250.96 | XXXX | $187.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7983.75 |  | 6.750% | $0.00 | 1.8 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1451240.61 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 338.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000037 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3410.12 | $3410.12 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2544.00 | XXXX | $212.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $121219.68 | 17.820% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000038 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3872.13 | $3872.13 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $12407.04 | XXXX | $1033.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | XXXX | $382510.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224000042 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12740.00 | $20395.21 |  | 7.743% | $12032.49 | $12032.49 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38738.59 | 1 | XXXX | $9686.04 | XXXX | $807.17 |  |  |  |  |  | 41.184% | 41.184% | 41.184% | [Redacted] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12740.00 |  | 6.750% | $417500.00 | 2.6 |  |  |  | No | No | 7.625% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1701305.76 | 65.680% | No | 31 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 141.26 |  | No | No |  | $0.00 | $27092.12 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000043 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1621.50 | $1621.50 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2079.96 | XXXX | $173.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000045 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $2902.53 |  | 7.600% | $2125.61 | $2125.61 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19455.60 | 1 | XXXX | $1460.52 | XXXX | $121.71 |  |  |  |  |  | 28.652% | 28.652% | 28.652% | [Redacted] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $500.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 7.500% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $162701.83 | 42.810% | No | 31 | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.65 |  | No | No |  | $0.00 | $13749.88 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224000052 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3230.32 | $3230.32 | 8.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | XXXX | $5583.00 | XXXX | $465.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | XXXX | $89085.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224000300 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $14061.50 | $14490.61 |  | 7.336% | $2785.14 | $2785.14 | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6018.77 | 1 | XXXX | $1799.04 | XXXX | $149.92 |  |  |  |  |  | 42.869% | 42.869% | 42.869% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $14061.50 |  | 6.750% | $0.00 | 1.3 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $46747.83 | 9.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.96 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224003663 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4797.50 | $7541.29 |  | 8.285% | $1819.04 | $2092.48 | 8.586% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5948.78 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 35.301% | 36.009% | 35.301% | [Redacted] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 48.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4797.50 |  | 6.770% | $0.00 | 3.7 |  |  |  | Yes | No | 8.586% | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $128623.12 | 38.110% | No |  | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.45 |  |  | No |  | $0.00 | $4806.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224004153 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $9969.47 | $9969.47 | 6.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $18819.96 | XXXX | $1568.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 6.97 | 0.14 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224004312 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2891.25 | $1902.37 |  | 6.921% | $1690.10 | $1937.94 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2676.27 | 1 | XXXX | $1247.28 | XXXX | $103.94 |  |  |  |  |  | 48.533% | 43.767% | 48.533% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2891.25 |  | 6.750% | $14500.00 | 1 |  |  |  | Yes | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | XXXX | $284242.20 | 56.280% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224004318 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1295.00 | $2944.20 |  | 9.025% | $5747.91 | $5747.91 | 8.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16032.83 | 1 | XXXX | $6726.96 | XXXX | $560.58 |  |  |  |  |  | 40.783% | 40.783% | 40.783% | [Redacted] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 67.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1295.00 |  | 6.750% | $7500.00 | 1.5 |  |  |  | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $255883.48 | 29.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224004805 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $18146.25 | $23761.48 |  | 9.564% | $5707.31 | $5707.31 | 9.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48322.60 | 1 | XXXX | $3446.88 | XXXX | $287.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $18146.25 |  | 6.770% | $0.00 | 1.1 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 659.42 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224012513 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $4635.01 | $6013.14 |  | 7.709% | $1336.10 | $1336.10 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10313.64 | 1 | XXXX | $558.00 | XXXX | $46.50 |  |  |  |  |  | 37.207% | 37.207% | 37.207% | [Redacted] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4635.01 |  | 6.040% | $1660.00 | 1.4 | DU |  | ApproveEligible | No | No | 7.125% | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $282182.45 | 95.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224012537 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1390.00 | $2627.99 |  | 7.569% | $2494.80 | $2494.80 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18055.88 | 1 | XXXX | $906.00 | XXXX | $75.50 |  |  |  |  |  | 38.462% | 38.462% | 38.462% | [Redacted] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1390.00 |  | 6.630% | $1000.00 | 999 |  |  |  | N/A | No | 7.500% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1079272.63 | 100.000% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 309.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224013510 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3922.51 | $3922.51 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | XXXX | $1817.04 | XXXX | $151.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224013516 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3565.00 | $4174.05 |  | 7.806% | $690.68 | $690.68 | 7.375% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8045.03 | 2 | XXXX | $1473.00 | XXXX | $122.75 |  |  |  |  |  | 45.419% | 45.419% | 45.419% | [Redacted] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3565.00 |  | 6.790% | $5000.00 |  |  |  |  | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $114858.73 | 60.450% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.25 |  | No | No |  | $3489.56 | $11250.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224013519 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1890.00 | $2144.69 |  | 6.882% | $11276.18 | $11276.18 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21468.43 | 1 | XXXX | $3717.00 | XXXX | $309.75 |  |  |  |  |  | 38.724% | 38.724% | 38.724% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1890.00 |  | 6.750% | $0.00 | 1.3 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $625603.41 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 50.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224013526 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1590.00 | $3440.43 |  | 8.060% | $1269.45 | $1480.24 | 8.586% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21230.22 | 1 | XXXX | $1917.96 | XXXX | $159.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 8.586% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1535187.86 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 597.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224013531 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8380.00 | $9298.56 |  | 7.764% | $1262.03 | $1262.03 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22763.29 | 1 | XXXX | $2718.00 | XXXX | $226.50 |  |  |  |  |  | 17.878% | 17.878% | 17.878% | [Redacted] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8380.00 |  | 6.750% | $0.00 | 3.7 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224013533 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1495.00 | $2125.01 |  | 7.543% | $3076.54 | $3076.54 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15516.12 | 1 | XXXX | $1722.96 | XXXX | $143.58 |  |  |  |  |  | 19.505% | 19.505% | 19.505% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1495.00 |  | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | XXXX | $609122.52 | 95.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 112.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224013536 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2494.97 | $2494.97 | 7.625% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | XXXX | $791.76 | XXXX | $65.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | XXXX | $368420.91 | 78.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No |
| 224014158 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7774.72 | $2617.68 |  | 7.486% | $4152.82 | $4152.82 | 7.500% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3126.69 | 1 | XXXX | $980.04 | XXXX | $81.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7774.72 |  | 6.610% | $15000.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1121971.52 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 222.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224014247 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1490.00 | $3355.19 |  | 6.972% | $1478.09 | $1478.09 | 6.875% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8280.05 | 1 | XXXX | $2134.08 | XXXX | $177.84 |  |  |  |  |  | 35.480% | 35.480% | 35.480% | [Redacted] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Annuity]; 1099 - 2024<br> [Borrower - \| Primary Income - Annuity]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Annuity]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Annuity]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Annuity]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Annuity]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1490.00 |  | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $3592807.52 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 901.53 |  |  | No |  | $3500.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224015070 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9636.88 | $10420.60 |  | 8.216% | $2447.11 | $2447.11 | 7.875% | No | Yes | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14518.24 | 1 | XXXX | $3263.04 | XXXX | $271.92 |  |  |  |  |  | 42.761% | 42.761% | 42.761% | [Redacted] | 623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 33.300% | 33.300% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9636.88 |  | 6.790% | $7500.00 | 4 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $83572.63 | 12.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.58 |  | Yes | No |  | $17271.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224015705 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6135.00 | $9740.06 |  | 6.853% | $4118.60 | $4118.60 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11708.82 | 1 | XXXX | $4533.96 | XXXX | $377.83 |  |  |  |  |  | 47.752% | 47.752% | 47.752% | [Redacted] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Auto Allowance]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Auto Allowance]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Auto Allowance]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6135.00 |  | 6.750% | $0.00 | 2 |  |  |  | Yes | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $886949.93 | 94.860% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 108.73 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224015893 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5522.40 | $7769.59 |  | 7.599% | $2398.02 | $2398.02 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8781.91 | 1 | XXXX | $2570.76 | XXXX | $214.23 |  |  |  |  |  | 34.219% | 34.219% | 34.219% | [Redacted] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5522.40 |  | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224020234 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1791.42 | $1791.42 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2314.44 | XXXX | $192.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.26 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224020236 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6897.66 | $6897.66 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1190.04 | XXXX | $99.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | XXXX | $617500.15 | 37.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224020239 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3087.00 | $3032.22 |  | 6.795% | $5085.01 | $5085.01 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21920.62 | 1 | XXXX | $1380.00 | XXXX | $115.00 |  |  |  |  |  | 41.470% | 41.470% | 41.470% | [Redacted] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3087.00 |  | 6.570% | $29400.00 | 5 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $371241.55 | 37.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224020245 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3805.50 | $5425.30 |  | 8.537% | $1265.13 | $1265.13 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Guatemala |  |  |  | $4084.14 | 1 | XXXX | $839.76 | XXXX | $69.98 |  |  |  |  |  | 35.667% | 35.667% | 35.667% | [Redacted] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3805.50 |  | 6.750% | $6000.00 | 1.9 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $35731.83 | 16.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 10.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224020319 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3895.00 | $8588.58 |  | 7.405% | $2865.14 | $2865.14 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4526.21 | 1 | XXXX | $3114.00 | XXXX | $259.50 |  |  |  |  |  | 49.173% | 49.173% | 49.173% | [Redacted] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3895.00 |  | 6.750% | $0.00 | 2.6 |  |  |  | No | No | 7.250% | 0 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $156000.45 | 27.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.07 |  | Yes | No |  | $4555.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224020320 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2695.00 | $12915.47 |  | 7.665% | $2462.87 | $3099.98 | 8.586% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $281107.82 | 1 | XXXX | $4414.56 | XXXX | $367.88 |  |  |  |  |  | 3.949% | 3.731% | 3.949% | [Redacted] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2695.00 |  | 6.500% | $0.00 | 4.6 |  |  |  | No | No | 8.586% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1414804.77 | 55.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 377.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224020325 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3090.00 | $7460.99 |  | 7.072% | $1970.79 | $1970.79 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3059.01 | 1 | XXXX | $3513.96 | XXXX | $292.83 |  |  |  |  |  | 48.990% | 48.990% | 48.990% | [Redacted] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3090.00 |  | 6.750% | $0.00 | 1.3 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $236197.25 | 33.980% | No | 6 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224021371 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5275.00 | $8457.50 |  | 8.939% | $2832.12 | $2832.12 | 8.750% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $7549.02 | 1 | XXXX | $1267.92 | XXXX | $105.66 |  |  |  |  |  | 32.359% | 32.359% | 32.359% | [Redacted] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5275.00 |  | 6.750% | $0.00 | 2.8 |  |  |  | No | No | 8.750% | 0 | 2 | 2 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $118899.04 | 26.420% | No | 30 | 18 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | Resident Alien Card |  |  |  | 4.06 |  |  | No |  | $0.00 | $5118.62 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 224021827 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6469.22 | $7897.99 |  | 7.489% | $3314.69 | $3314.69 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9797.79 | 1 | XXXX | $1035.72 | XXXX | $86.31 |  |  |  |  |  | 36.447% | 36.447% | 36.447% | [Redacted] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6469.22 |  | 6.750% | $125000.00 | 1.3 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $17510.17 | 2.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224021929 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1051.09 | $1051.09 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2675.04 | XXXX | $222.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | XXXX | $62403.23 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 93.35 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224021934 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $6506.25 | $9002.41 |  | 8.282% | $1500.89 | $1500.89 | 7.875% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $10138.87 | 1 | XXXX | $1611.00 | XXXX | $134.25 |  |  |  |  |  | 43.409% | 43.409% | 43.409% | [Redacted] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6506.25 |  | 6.750% | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $37029.28 |  | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Passport |  |  | No | 8.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
| 224021940 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $8474.00 | $10103.32 |  | 7.048% | $1887.42 | $1887.42 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3378.31 | 3 | XXXX | $2620.56 | XXXX | $218.38 |  |  |  |  |  | 20.938% | 20.938% | 20.938% | [Redacted] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8474.00 |  | 6.750% | $0.00 |  | DU |  | ApproveIneligible | No | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $5193.98 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224021941 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2123.83 | $2123.83 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $968.04 | XXXX | $80.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | 777 | 787 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $122547.98 | 29.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 41.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224027274 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7040.19 | $15307.82 |  | 7.870% | $3720.16 | $3720.16 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17049.79 | 1 | XXXX | $2031.96 | XXXX | $169.33 |  |  |  |  |  | 28.581% | 28.581% | 28.581% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7040.19 |  | 6.670% | $0.00 | 2.6 |  |  |  | Yes | No | 7.625% | 2 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | $402503.16 | 61.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224027313 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3415.00 | $9838.30 |  | 7.145% | $2003.63 | $2003.63 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4286.34 | 1 | XXXX | $1787.04 | XXXX | $148.92 |  |  |  |  |  | 38.228% | 38.228% | 38.228% | [Redacted] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3415.00 |  | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $169430.18 | 39.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224027334 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6735.00 | $9002.99 |  | 7.012% | $1906.88 | $1906.88 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8494.51 | 1 | XXXX | $2391.96 | XXXX | $199.33 |  |  |  |  |  | 27.962% | 27.962% | 27.962% | [Redacted] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $6735.00 |  | 6.750% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 6.750% | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  | Closed End | No |  |  |  |  |  | XXXX | $78174.85 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224027570 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1692.25 | $1692.25 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1974.96 | XXXX | $164.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | 762 | 791 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | XXXX | $146448.59 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 60.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224027571 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5215.00 | $8363.68 |  | 7.775% | $2944.42 | $2944.42 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14274.71 | 1 | XXXX | $1209.96 | XXXX | $100.83 |  |  |  |  |  | 30.963% | 30.963% | 30.963% | [Redacted] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5215.00 |  | 6.750% | $5000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $133899.83 | 25.740% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224027576 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1023.26 | $1023.26 | 7.250% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | N/A |  |  |  |  |  |  | 1 | XXXX | $2487.00 | XXXX | $207.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.9 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 82.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224027595 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $3055.25 | $3070.61 |  | 7.783% | $8632.77 | $8632.77 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $55530.99 | 1 | XXXX | $2590.56 | XXXX | $215.88 |  |  |  |  |  | 25.508% | 25.508% | 25.508% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3055.25 |  | 6.750% | $0.00 | 1.2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $112711.70 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224027596 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $27346.78 | $15606.13 |  | 8.145% | $2456.51 | $2456.51 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Guatemala |  |  |  | $6328.51 | 1 | XXXX | $1176.00 | XXXX | $98.00 |  |  |  |  |  | 37.067% | 37.067% | 37.067% | [Redacted] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $27346.78 |  | 6.040% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 1 | 0 | 3 | 1 |  |  | 7.47 | No |  |  |  |  |  |  |  |  |  | XXXX | $18598.12 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 4.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 224027690 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $12802.50 | $15568.26 |  | 8.298% | $3298.80 | $3298.80 | 7.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5581.89 | 1 | XXXX | $1341.00 | XXXX | $111.75 |  |  |  |  |  | 51.085% | 51.085% | 51.085% | [Redacted] | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $12802.50 |  | 6.570% | $0.00 | 2.6 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $192094.19 | 32.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224027756 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1331.34 | $1331.34 | 7.250% | No | No |  |  |  |  | 0 | 0 |  | Foreign National | Foreign National | Foreign National |  |  |  |  |  | 1 | XXXX | $1453.32 | XXXX | $121.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $238830.00 | 85.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | Yes |
| 224033909 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2123.83 | $2123.83 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $950.04 | XXXX | $79.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | 777 | 787 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXX | $219279.08 | 53.480% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 47.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224034437 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $842.15 | $842.15 | 9.375% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 3 | XXXX | $2027.04 | XXXX | $168.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.05 | 0.49 |  |  |  |  |  |  |  | XXXX | $67790.78 | 50.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
| 224034441 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $17002.00 | $9069.56 |  | 7.664% | $1364.35 | $1364.35 | 7.250% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2480.65 | 1 | XXXX | $882.00 | XXXX | $73.50 |  |  |  |  |  | 49.412% | 49.412% | 49.412% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17002.00 |  | 6.630% | $0.00 | 999 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $115452.41 | 41.980% | No |  | 3 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.46 |  | No | No |  | $0.00 | $4903.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224039023 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $11812.50 | $11812.50 | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $5145.96 | XXXX | $428.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 240 | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.47 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 224039087 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2195.09 | $2195.09 | 6.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2331.24 | XXXX | $194.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  | 240 | XXXX | $58259.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.93 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224039096 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $19895.00 | $22634.74 |  | 7.461% | $2990.84 | $2990.84 | 6.990% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8554.72 | 1 | XXXX | $7602.72 | XXXX | $633.56 |  |  |  |  |  | 44.074% | 44.074% | 44.074% | [Redacted] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $19895.00 |  | 6.890% | $0.00 | 4.2 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.89 |  |  | No |  | $7801.14 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224039104 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $9350.34 |  | 7.472% | $4613.71 | $4613.71 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14822.02 | 1 | XXXX | $747.00 | XXXX | $62.25 |  |  |  |  |  | 34.030% | 34.030% | 34.030% | [Redacted] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal, Business | 64.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $10000.00 | 2.3 |  |  |  | No | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $363749.02 | 43.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.98 |  |  | No |  | $0.00 | $8166.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224039107 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15765.00 | $20443.68 |  | 8.910% | $3633.12 | $3633.12 | 8.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $55868.14 | 1 | XXXX | $2484.96 | XXXX | $207.08 |  |  |  |  |  | 20.795% | 20.795% | 20.795% | [Redacted] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15765.00 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $156935.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 102.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224039499 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1048.82 | $1048.82 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1283.04 | XXXX | $106.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 77.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224046870 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1126.90 | $1126.90 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $3132.84 | XXXX | $261.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2 | 0.5 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 224046890 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1010.11 | $1010.11 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $3159.96 | XXXX | $263.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 102.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224046894 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1790.00 | $8345.40 |  | 7.300% | $6241.91 | $6241.91 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19851.05 | 1 | XXXX | $6448.20 | XXXX | $537.35 |  |  |  |  |  | 41.933% | 41.933% | 41.933% | [Redacted] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - C-Corp]; Business License - 2025<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.750% | $12500.00 | 2 |  |  |  | No | No | 7.250% | 1 | 2 | 1 | 0 | 2 | 2 |  |  | 7.60 | No |  |  |  |  | Other |  |  |  |  | XXXX | $824835.59 | 61.550% | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.18 |  | No | No |  | $0.00 | $27501.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224046901 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $906.51 | $906.51 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2519.04 | XXXX | $209.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224046927 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8018.00 | $10286.00 |  | 9.556% | $2665.47 | $2665.47 | 9.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6200.89 | 1 | XXXX | $2438.40 | XXXX | $203.20 |  |  |  |  |  | 42.526% | 42.526% | 42.526% | [Redacted] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 1 |  |  | Cross Country | $8018.00 |  | 6.750% | $6000.00 | 1 |  |  |  | Yes | No | 9.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $117439.14 | 28.990% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224046941 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $8590.00 | $12855.62 |  | 8.932% | $2245.23 | $2245.23 | 8.500% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Mexico | Mexico |  |  | $3919.92 | 1 | XXXX | $1176.96 | XXXX | $98.08 |  |  |  |  |  | 42.998% | 42.998% | 42.998% | [Redacted] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8590.00 |  | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 8.500% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $105314.04 | 28.850% | No | 30 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.78 |  | No | No |  | $0.00 | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No |
| 224048107 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $9510.00 | $11636.00 |  | 8.486% | $2088.20 | $2181.02 | 8.336% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6253.75 | 1 | XXXX | $645.36 | XXXX | $53.78 |  |  |  |  |  | 19.112% | 17.911% | 19.112% | [Redacted] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9510.00 |  | 6.500% | $0.00 | 1 |  |  |  | Yes | No | 8.336% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $326067.19 | 90.570% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224048136 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $15450.00 | $21848.00 |  | 8.679% | $7750.65 | $7750.65 | 8.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $55786.47 | 1 | XXXX | $3489.00 | XXXX | $290.75 |  |  |  |  |  | 20.911% | 20.911% | 20.911% | [Redacted] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15450.00 |  | 6.750% | $0.00 | 1.5 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $380935.64 | 30.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.49 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224048163 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9242.51 | $17325.07 |  | 7.685% | $3477.55 | $3477.55 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12886.05 | 1 | XXXX | $6908.04 | XXXX | $575.67 |  |  |  |  |  | 36.360% | 36.360% | 36.360% | [Redacted] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; Account Transcripts - 2020<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9242.51 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 2 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224048215 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2620.72 | $2620.72 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | N/A |  |  |  |  |  |  | 2 | XXXX | $1698.36 | XXXX | $141.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX | $91623.09 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224055190 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $6324.38 | $8290.31 |  | 8.778% | $2124.12 | $2124.12 | 8.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19968.91 | 1 | XXXX | $2007.00 | XXXX | $167.25 |  |  |  |  |  | 23.830% | 23.830% | 23.830% | [Redacted] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  | Cross Country | $6324.38 |  | 6.540% | $2500.00 | 1.9 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $111811.99 | 34.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.04 |  |  | No |  | $13108.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224055741 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $2490.00 | $5915.50 |  | 7.079% | $2330.00 | $2658.52 | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25880.05 | 1 | XXXX | $1106.04 | XXXX | $92.17 |  |  |  |  |  | 16.041% | 14.976% | 16.041% | [Redacted] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $2490.00 |  | 6.630% | $0.00 | 3.6 |  |  |  | No | No | 6.990% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 7.00 | No |  |  |  |  |  |  |  |  | 360 | XXXX | $1912253.19 | 100.000% | No |  | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 98.16 |  |  | No |  | $996.42 | $11764.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224058137 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3715.92 | $3715.92 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $2316.00 | XXXX | $193.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXX | $317967.52 | 45.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224058845 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $7070.00 | $10594.36 |  | 7.393% | $3738.33 | $3738.33 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35847.79 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 34.147% | 34.147% | 34.147% | [Redacted] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 81.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $7070.00 |  | 6.750% | $3600.00 | 1 |  |  |  | No | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $595212.55 | 86.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 90.08 |  | No | No |  | $0.00 | $10469.59 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224063740 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $3544.20 | $4788.95 |  | 7.983% | $1289.54 | $1289.54 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3334.24 | 4 | XXXX | $2591.64 | XXXX | $215.97 |  |  |  |  |  | 43.089% | 43.089% | 43.089% | [Redacted] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $3544.20 |  | 6.750% | $0.00 |  |  |  |  | No | No | 7.750% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $237653.54 | 100.000% | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224065014 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1009.03 | $1009.03 | 9.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $473.04 | XXXX | $39.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | XXXX | $77002.47 | 51.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224065020 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $36193.43 | $54448.65 |  | 7.846% | $11335.64 | $11335.64 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $75253.95 | 1 | XXXX | $3608.04 | XXXX | $300.67 |  |  |  |  |  | 16.024% | 16.024% | 16.024% | [Redacted] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 1 | 0 | 0 |  |  | Cross Country | $36193.43 |  | 6.750% | $111000.00 | 5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $443092.81 | 21.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224065021 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $5369.95 | $5369.95 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $927.96 | XXXX | $77.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XXXX | $241696.43 | 21.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.45 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224065274 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1235.81 | $1235.81 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1400.28 | XXXX | $116.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | XXXX | $7630.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.97 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 224065302 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $3155.32 | $3155.32 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | XXXX | $2559.96 | XXXX | $213.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | XXXX | $98436.88 | 18.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224065318 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6737.18 | $6737.18 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $853.08 | XXXX | $71.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 3.9 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $14884.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224066185 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $6620.54 | $6620.54 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1688.04 | XXXX | $140.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 41.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224066513 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1876.75 | $3861.30 |  | 7.013% | $1451.81 | $1451.81 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9689.95 | 1 | XXXX | $1368.00 | XXXX | $114.00 |  |  |  |  |  | 17.419% | 17.419% | 17.419% | [Redacted] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1876.75 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $45124.37 |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224066620 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $9386.88 | $11144.48 |  | 8.601% | $1763.43 | $1763.43 | 8.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3066.04 | 1 | XXXX | $0.00 | XXXX | $0.00 |  |  |  |  |  | 50.996% | 50.996% | 50.996% | [Redacted] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9386.88 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 8.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $147677.97 | 45.090% | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224083285 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $4936.25 | $9064.39 |  | 7.316% | $6327.18 | $6327.18 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15606.48 | 1 | XXXX | $9435.48 | XXXX | $786.29 |  |  |  |  |  | 42.375% | 42.375% | 42.375% | [Redacted] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $4936.25 |  | 6.750% | $0.00 | 2.6 |  |  |  | No | No | 7.250% | 3 |  | 2 | 0 | 2 | 1 |  |  | 5.97 | No |  |  |  |  | Other |  |  |  |  | XXXX | $1206639.34 | 91.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.65 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224083352 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $21332.10 | $12718.86 |  | 7.500% | $1313.33 | $1313.33 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Colombia |  |  |  | $8556.40 | 1 | XXXX | $377.04 | XXXX | $31.42 |  |  |  |  |  | 40.255% | 40.255% | 40.255% | [Redacted] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $21332.10 |  | 6.750% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $89673.50 | 35.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport |  |  |  |  | 14.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224083931 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1264.77 | $1264.77 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $1590.96 | XXXX | $132.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | XXXX | $1039399.20 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 428.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224089532 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5751.88 | $8372.34 |  | 8.011% | $1449.21 | $1449.21 | 7.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $2516.07 | 1 | XXXX | $966.96 | XXXX | $80.58 |  |  |  |  |  | 45.735% | 45.735% | 45.735% | [Redacted] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5751.88 |  | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 7.625% | 1 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $4158.53 |  | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 4.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 224101460 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $33815.00 | $40505.05 |  | 8.648% | $10869.03 | $10869.03 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23921.08 | 1 | XXXX | $4800.00 | XXXX | $400.00 |  |  |  |  |  | 46.300% | 46.300% | 46.300% | [Redacted] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $33815.00 |  | 6.750% | $0.00 | 2.1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224101462 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5102.48 | $4200.14 |  | 9.317% | $1655.91 | $1655.91 | 9.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36670.20 | 1 | XXXX | $3800.16 | XXXX | $316.68 |  |  |  |  |  | 11.447% | 11.447% | 11.447% | [Redacted] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5102.48 |  | 6.750% | $11940.00 | 1.2 |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $1000.00 | 0.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224101464 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $17072.53 | $19595.93 |  | 8.702% | $4494.31 | $4494.31 | 8.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9039.19 | 1 | XXXX | $3201.72 | XXXX | $266.81 |  |  |  |  |  | 38.108% | 38.108% | 38.108% | [Redacted] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $17072.53 |  | 6.770% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224101465 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $9063.20 | $11709.00 |  | 7.900% | $1537.44 | $1537.44 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35218.14 | 1 | XXXX | $848.16 | XXXX | $70.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $9063.20 |  | 6.790% | $550.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $5337479.57 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224113475 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $1728.00 | $4408.05 |  | 8.513% | $1202.03 | $1202.03 | 8.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Costa Rica |  |  |  | $2209.05 | 1 | XXXX | $1397.04 | XXXX | $116.42 |  |  |  |  |  | 39.890% | 39.890% | 39.890% | [Redacted] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1728.00 |  | 6.750% | $34000.00 | 1.8 |  |  |  | No | No | 8.250% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $30279.95 | 15.130% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport |  |  |  |  | 11.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| 224115602 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2143.44 | $2143.44 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $471.96 | XXXX | $39.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | XXXX | $43612.81 | 10.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224118154 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2561.24 | $2561.24 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $5479.56 | XXXX | $456.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224133239 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1960.03 | $1960.03 | 8.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $777.96 | XXXX | $64.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 75.82 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 224136454 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $90.00 | $2023.96 |  | 7.132% | $4788.59 | $6313.44 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8801.98 | 1 | XXXX | $4730.28 | XXXX | $394.19 |  |  |  |  |  | 49.703% | 40.990% | 49.703% | [Redacted] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $90.00 |  | 6.540% | $0.00 | 1 |  |  |  | No | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXX |  |  | No | 0 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224136456 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1657.62 | $1657.62 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1599.84 | XXXX | $133.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $69184.11 | 23.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224138532 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No | $24774.56 | $27667.56 |  | 7.467% | $3775.10 | $3775.10 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14124.49 | 1 | XXXX | $1986.96 | XXXX | $165.58 |  |  |  |  |  | 47.863% | 47.863% | 47.863% | [Redacted] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 30.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $24774.56 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | $618454.38 | 87.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224140037 | [Redacted] | [Redacted] |  | Non QM |  |  |  | Yes | No | $5656.00 | $7949.10 |  | 7.869% | $2123.38 | $2123.38 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4126.74 | 1 | XXXX | $477.96 | XXXX | $39.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5656.00 |  | 6.540% | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXX | $507446.50 | 100.000% | No |  |  |  |  | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 117.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224144059 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4430.73 | $4430.73 | 7.250% | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 4 | XXXX | $6242.04 | XXXX | $520.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXX | $151779.28 | 17.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Trust | Business Entity | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224159579 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $2627.72 | $2627.72 | 6.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | XXXX | $2868.00 | XXXX | $239.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Cross Country |  |  |  | $0.00 | 1.8 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.07 | 0.48 |  |  |  |  |  |  |  | XXXX | $183942.22 | 10.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 224161543 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1418.64 | $1418.64 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1962.00 | XXXX | $163.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | 762 | 791 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.71 |  |  |  |  |  |  |  | XXXX | $162720.65 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 88.73 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 224162486 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $725.07 | $725.07 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $520.56 | XXXX | $43.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $113188.85 | 73.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 224190198 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1415.83 | $1415.83 | 6.500% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | XXXX | $880.92 | XXXX | $73.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | 752 | 769 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXX | $1707024.59 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 837.14 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 224197179 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $4159.01 | $4159.01 | 6.500% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | XXXX | $2269.68 | XXXX | $189.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | 752 | 769 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 120.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 224213519 | [Redacted] | [Redacted] |  | N/A |  |  |  | No | No |  |  |  |  | $1116.90 | $1116.90 | 9.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1440.96 | XXXX | $120.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redacted] | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 78.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | No | No | No | No |

---

## Exhibit 99.1

[Cross 2025-H8 Mortgage Trust ABS-15G](cross-abs15g.htm)

**Exhibit 99.1 - Schedule 6**

![](situs-logo.jpg)

**ASF Addendum - Business Purpose** **<br> Run Date - 10/23/2025 9:29:10 AM**

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 223312311 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $10000.00 | Rent on Existing Lease | $8670.75 |  | 0.000000 | 0.86 |  |  | 1.15 | 1.15 | $8670.75 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $2400.00 | $2700.00 | Yes | XXXX | XXXX | 1 | Long Term | $2800.00 | $3500.00 | Yes | XXXX | XXXX | 1 | Long Term | $2400.00 | $2700.00 | Yes | XXXX | XXXX | 1 | Long Term | $2400.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $39.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 816 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 839 | Fair Isaac (VER. 2) | 816 | Beacon 5 | 812 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223312377 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $2720.00 | Multiple Sources | $3368.90 |  | 0.000000 | 1.23 |  |  | 0.80 | 0.8 | $3368.90 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $81.19 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223368071 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3995.00 | Rent on Existing Lease | $3106.54 |  | 0.000000 | 0.77 |  |  | 1.28 | 1.28 | $3106.54 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3995.00 | $3920.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $163.25 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor | 9.63 |  | US Citizen | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 816 | Fair Isaac (VER. 2) | 796 | Beacon 5 | 712 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223377213 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4500.00 | Rent on Existing Lease | $3409.79 |  | 0.000000 | 0.75 |  |  | 1.31 | 1.31 | $3409.79 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4500.00 | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $189.17 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 11.04 |  | US Citizen | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 816 | Fair Isaac (VER. 2) | 796 | Beacon 5 | 712 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223393773 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1700.00 | Rent on Existing Lease | $1754.99 |  | 0.000000 | 1.03 |  |  | 0.96 | 0.96 | $1754.99 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $800.00 | $1500.00 | Yes | XXXX | XXXX | 1 | Long Term | $900.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $148.33 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor |  | US Citizen |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 717 | Fair Isaac (VER. 2) | 765 | Beacon 5 | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 78.947% | [Redacted] |  |  | 78.947% | [Redacted] |  | 78.947% |  |  |  |  |  |  |  |  |
| 223464737 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2215.91 |  | 0.407838 |  |  |  |  |  | $2215.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $44.42 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 772 | Fair Isaac (VER. 2) | 753 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223479684 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $2458.91 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2458.91 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $43278.00 |  |  | XXXX | $407.81 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 751 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223479727 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $1400.54 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $1400.54 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23100.00 |  |  | XXXX | $78.25 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 731 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 744 | Fair Isaac (VER. 2) | 731 | Beacon 5 | 731 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223512426 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2575.00 | Third Party Rental Source | $3068.45 |  | 0.000000 | 1.19 |  |  | 0.84 | 0.84 | $3068.45 |  |  | No |  |  |  | Long Term |  | $2575.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $89.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 702 | Fair Isaac (VER. 2) | 740 | Beacon 5 | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 60.000% | [Redacted] |  | 60.000% |  |  |  |  |  |  |  |  |
| 223518897 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1622.15 |  | 0.445233 |  |  |  |  |  | $1622.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $69.73 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 786 | Fair Isaac (VER. 2) | 816 | Beacon 5 | 793 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 802 | Fair Isaac (VER. 2) | 816 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223539254 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1680.00 | Third Party Rental Source | $1667.61 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1667.61 |  |  | No |  |  |  | Long Term |  | $1680.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60400.00 |  |  | XXXX | $69.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | Experienced Investor |  | Permanent Resident Alien | US Citizen | 714 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 714 | Fair Isaac (VER. 2) | 707 | Beacon 5 | 727 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 725 | Fair Isaac (VER. 2) | 714 | Beacon 5 | 694 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223620571 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $2206.66 | Multiple Sources | $2086.23 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2086.23 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $2758.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22500.00 |  |  | XXXX | $34.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 831 | Fair Isaac (VER. 2) | 798 | Beacon 5 | 759 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 788 | Fair Isaac (VER. 2) | 792 | Beacon 5 | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223620801 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $1901.94 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $1901.94 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $88.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.47 | US Citizen |  | 624 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 590 | Fair Isaac (VER. 2) | 633 | Beacon 5 | 624 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 45.455% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223620868 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1850.00 | Rent on Existing Lease | $1365.39 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1365.39 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $64.89 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor | 24.93 |  | US Citizen | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 704 | Beacon 5 | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223623172 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4300.00 | Third Party Rental Source | $5209.03 |  | 0.000000 | 1.21 |  |  | 0.83 | 0.83 | $5209.03 |  |  | No |  |  |  | Long Term |  | $4300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $162.38 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 731 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 780 | Fair Isaac (VER. 2) | 729 | Beacon 5 | 731 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223626350 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1662.97 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $1662.97 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $27.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 727 | Fair Isaac (VER. 2) | 764 | Beacon 5 | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 42.945% | [Redacted] |  |  | 42.945% | [Redacted] |  | 42.945% |  |  |  |  |  |  |  |  |
| 223637133 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3150.00 | Multiple Sources | $2145.44 |  | 0.000000 | 0.68 |  |  | 1.47 | 1.47 | $2145.44 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $950.00 | $1000.00 | Yes | XXXX | XXXX | 1 | Long Term | $1300.00 | $1200.00 | Yes | XXXX | XXXX | 1 | Long Term | $1000.00 | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $150.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 17.96 | US Citizen |  | 646 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 646 | Fair Isaac (VER. 2) | 644 | Beacon 5 | 654 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223694961 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2478.95 |  | 0.374373 |  |  |  |  |  | $2478.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $149.33 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | Fair Isaac (VER. 2) | 796 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223713787 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1720.00 | Third Party Rental Source | $1715.45 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1715.45 |  |  | No |  |  |  | Long Term |  | $1720.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $339.55 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 763 | Fair Isaac (VER. 2) | 764 | Beacon 5 | 760 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 748 | Fair Isaac (VER. 2) | 742 | Beacon 5 | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223722502 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1850.00 | Third Party Rental Source | $1594.45 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1594.45 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $129.56 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 54.128% | [Redacted] |  |  | 54.128% | [Redacted] |  | 54.128% |  |  |  |  |  |  |  |  |
| 223727559 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1575.00 | Third Party Rental Source | $1567.41 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1567.41 |  |  | No |  |  |  | Long Term |  | $1575.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $125.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | Non-Permanent Resident Alien |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 664 | Fair Isaac (VER. 2) | 702 | Beacon 5 | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223728852 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $2050.10 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2050.10 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $79.17 | Level 4-Stated/Verified as defined | No | 1 | 10 | No |  | No | Experienced Investor |  |  | US Citizen | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 3 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 728 | Fair Isaac (VER. 2) | 750 | Beacon 5 | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223729054 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4845.40 | Multiple Sources | $2716.91 |  | 0.000000 | 0.56 |  |  | 1.78 | 1.78 | $2716.91 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $6056.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $48170.00 |  |  | XXXX | $291.08 | Level 2-Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 755 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 2-Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 786 | Fair Isaac (VER. 2) | 790 | Beacon 5 | 786 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | XXXX | 754 | Fair Isaac (VER. 2) | 792 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223729098 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1525.00 | Rent on Existing Lease | $1194.44 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $1194.44 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $1525.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $55.42 | Level 4-Stated/Verified as defined | No | 1 | 17 | No | No | No | Experienced Investor | 17.59 | US Citizen | US Citizen | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 786 | Fair Isaac (VER. 2) | 769 | Beacon 5 | 754 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 701 | Fair Isaac (VER. 2) | 686 | Beacon 5 | 688 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 59.971% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223733595 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3000.00 | Third Party Rental Source | $3000.88 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3000.88 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $117.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 696 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 679 | Fair Isaac (VER. 2) | 713 | Beacon 5 | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223742911 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $7000.00 | Third Party Rental Source | $10521.00 |  | 0.000000 | 1.5 |  |  | 0.67 | 0.67 | $10521.00 |  |  | No |  |  |  | Long Term |  | $7000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $917.10 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 653 | Fair Isaac (VER. 2) | 686 | Beacon 5 | 697 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 767 | Fair Isaac (VER. 2) | 763 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223745500 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1971.60 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1971.60 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $68.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 741 | Fair Isaac (VER. 2) | 728 | Beacon 5 | 759 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223759425 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5500.00 | Rent on Existing Lease | $4224.67 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $4224.67 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $2800.00 | $2800.00 | Yes | XXXX | XXXX | 1 | Long Term | $2700.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $106600.00 |  |  | XXXX | $131.58 | Level 1-Not Stated/Not Verified | No | 1 | 16 | No |  | No | Experienced Investor |  |  | US Citizen | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 12 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 790 | Fair Isaac (VER. 2) | 774 | Beacon 5 | 790 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223764521 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes |  |  |  |  | $7394.70 | Multiple Sources | $4907.38 |  | 0.000000 | 0.66 |  |  | 1.51 | 1.51 | $4907.38 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3713.33 | Yes | XXXX | XXXX | 60 | Long Term | $3681.37 | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $935.16 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor |  |  | US Citizen | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 733 | Fair Isaac (VER. 2) | 731 | Beacon 5 | 713 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 758 | Fair Isaac (VER. 2) | 757 | Beacon 5 | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223764523 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4120.00 | Third Party Rental Source | $4029.57 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $4029.57 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $4120.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $180.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | Experienced Investor |  | Foreign National |  | 699 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  | 699 | Beacon 5 | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 62.000% | [Redacted] |  |  | 62.000% | [Redacted] |  | 62.000% |  |  |  |  |  |  |  |  |
| 223764809 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6954.00 | Multiple Sources | $5244.01 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $5244.01 |  |  | Yes | XXXX | XXXX | 317 | Long Term | $2050.00 | $2202.00 | Yes | XXXX | XXXX | 269 | Long Term | $2100.00 | $2652.00 | Yes | XXXX | XXXX | 12 | Long Term | $3300.00 | $2804.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $524.25 | Level 4-Stated/Verified as defined | No | 1 | 12 | No | No |  | Experienced Investor | 1.95 | US Citizen |  | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 738 | Fair Isaac (VER. 2) | 769 | Beacon 5 | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 68.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223764903 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1950.00 | Rent on Existing Lease | $1693.30 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1693.30 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $1950.00 | $1760.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $132.17 | Level 4-Stated/Verified as defined | No | 1 | 10 | No |  | No | Experienced Investor | 1.08 |  | US Citizen | 677 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 9 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 732 | Fair Isaac (VER. 2) | 677 | Beacon 5 | 677 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 191.111% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223770002 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2945.36 |  | 0.222770 |  |  |  |  |  | $2945.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 0.21 | US Citizen | US Citizen | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 767 | Fair Isaac (VER. 2) | 776 | Beacon 5 | 777 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 791 | Fair Isaac (VER. 2) | 802 | Beacon 5 | 794 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223774973 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2395.26 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2395.26 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $53190.00 |  |  | XXXX | $124.75 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 756 | Fair Isaac (VER. 2) | 760 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223778850 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1500.00 | Third Party Rental Source | $1486.31 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1486.31 |  |  | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12500.00 |  |  | XXXX | $41.25 | Level 4-Stated/Verified as defined | No | 1 | 0 | No | No |  | First-Time Investor |  | US Citizen |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 733 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 761 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223789627 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4213.33 | Multiple Sources | $5431.01 |  | 0.000000 | 1.29 |  |  | 0.78 | 0.78 | $5431.01 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $5266.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $194.51 | Level 3-Stated/Partially Verified | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223790368 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $6587.53 |  | 0.423590 |  |  |  |  |  | $6587.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $231.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 754 | Fair Isaac (VER. 2) | 776 | Beacon 5 | 699 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223791316 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $2136.95 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | $2136.95 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $2560.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $87.67 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  | No | Experienced Investor | 1.15 |  | US Citizen | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 771 | Fair Isaac (VER. 2) | 742 | Beacon 5 | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 61.975% | [Redacted] |  |  | 83.389% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223791324 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4080.00 | Multiple Sources | $4340.44 |  | 0.000000 | 1.06 |  |  | 0.94 | 0.94 | $4340.44 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $5100.00 | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $52500.00 |  |  | XXXX | $168.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 738 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223791703 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3500.00 | Third Party Rental Source | $2611.94 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $2611.94 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $98.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 734 | Fair Isaac (VER. 2) | 730 | Beacon 5 | 730 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223791989 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $5226.00 | Third Party Rental Source | $3164.90 |  | 0.000000 | 0.61 |  |  | 1.65 | 1.65 | $3164.90 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $5226.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $135.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 809 | Fair Isaac (VER. 2) | 811 | Beacon 5 | 782 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223795403 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2200.00 | Rent on Existing Lease | $2199.42 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2199.42 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2200.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $85.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor | 19.22 |  | US Citizen | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 753 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 712 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 57.211% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223795466 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $2380.19 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2380.19 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2475.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32000.00 |  |  | XXXX | $125.66 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 2.05 |  | US Citizen | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 697 | Fair Isaac (VER. 2) | 702 | Beacon 5 | 714 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223795468 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3000.00 | Third Party Rental Source | $2592.99 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $2592.99 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 |  |  | XXXX | $79.88 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 738 | Beacon 5 | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223795569 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5309.65 |  | 0.451064 |  |  |  |  |  | $5309.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $527.08 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  |  |  | US Citizen | 667 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 686 | Fair Isaac (VER. 2) | 667 | Beacon 5 | 665 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223796849 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2975.00 | Third Party Rental Source | $2990.06 |  | 0.000000 | 1.01 |  |  | 0.99 | 0.99 | $2990.06 |  |  | No |  |  |  | Long Term |  | $2975.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $93.83 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 737 | Fair Isaac (VER. 2) | 770 | Beacon 5 | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223797094 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4038.00 | Rent on Existing Lease | $2820.30 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | $2820.30 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1950.00 | $1950.00 | Yes | XXXX | XXXX | 12 | Long Term | $2088.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $34775.00 |  |  | XXXX | $354.06 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor | 5.35 |  | US Citizen | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 761 | Fair Isaac (VER. 2) | 665 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223797100 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $3740.00 | Multiple Sources | $2864.57 |  | 0.000000 | 0.77 |  |  | 1.31 | 1.31 | $2864.57 |  |  | No |  |  |  | Short Term | $4675.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $129.93 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | First-Time Investor |  |  | US Citizen | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 794 | Fair Isaac (VER. 2) | 716 | Beacon 5 | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223807726 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $12943.00 | Rent on Existing Lease | $4363.87 |  | 0.000000 | 0.34 |  |  | 2.97 | 2.97 | $4363.87 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $4160.00 | $4600.00 | Yes | XXXX | XXXX | 1 | Long Term | $4420.00 | $4600.00 | Yes | XXXX | XXXX | 1 | Long Term | $4363.00 | $4400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $209800.00 |  |  | XXXX | $222.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 1.99 | US Citizen |  | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 731 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 22.143% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223810778 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3100.00 | Third Party Rental Source | $2751.82 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $2751.82 |  |  | No |  |  |  | Long Term |  | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38000.00 |  |  | XXXX | $76.49 | Level 1-Not Stated/Not Verified | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual |  |  | 1 | Foreign National |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 65.000% | [Redacted] |  | 65.000% |  |  |  |  |  |  |  |  |
| 223810782 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1485.00 | Multiple Sources | $1482.84 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1482.84 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $1600.00 | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $55.08 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 709 | Fair Isaac (VER. 2) | 733 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223813650 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3000.00 | Third Party Rental Source | $2830.16 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $2830.16 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37800.00 |  |  | XXXX | $92.22 | Level 1-Not Stated/Not Verified | No | 1 | 2 | Yes |  | Yes | Experienced Investor | 1.42 |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 61.804% | [Redacted] |  |  | 65.701% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223813707 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4200.00 | Rent on Existing Lease | $3321.32 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $3321.32 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $2400.00 | $3500.00 | Yes | XXXX | XXXX | 24 | Long Term | $1800.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $55100.00 |  |  | XXXX | $181.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 2.04 | US Citizen | US Citizen | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 696 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 717 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 722 | Fair Isaac (VER. 2) | 757 | FICO Classic V5 Facta | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 51.415% | [Redacted] |  |  | 85.306% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223813880 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2900.00 | Third Party Rental Source | $2605.83 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2605.83 |  |  | No |  |  |  | Long Term |  | $1250.00 | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $361.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 653 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 586 | Fair Isaac (VER. 2) | 662 | Beacon 5 | 653 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223836756 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4000.00 | Third Party Rental Source | $2764.43 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $2764.43 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 |  |  | XXXX | $93.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 787 | Fair Isaac (VER. 2) | 806 | Beacon 5 | 794 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223854844 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6000.00 | Third Party Rental Source | $5451.26 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $5451.26 |  |  | No |  |  |  | Long Term |  | $6000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $159.00 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 656 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 641 | Fair Isaac (VER. 2) | 656 | Beacon 5 | 661 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 54.504% | [Redacted] |  |  | 54.504% | [Redacted] |  | 54.504% |  |  |  |  |  |  |  |  |
| 223858732 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1225.00 | Rent on Existing Lease | $1225.20 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1225.20 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1225.00 | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 |  |  | XXXX | $242.38 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 631 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 631 | Fair Isaac (VER. 2) | 610 | Beacon 5 | 633 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 38.760% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223859022 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Rent on Existing Lease | $2713.11 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2713.11 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3000.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $5000.00 |  |  | XXXX | $227.37 | Level 4-Stated/Verified as defined | No | 1 | 10 | No |  | No | Experienced Investor | 0.13 |  | US Citizen | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 749 | Fair Isaac (VER. 2) | 773 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 42.373% | [Redacted] |  |  | 42.373% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223859029 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2128.00 | Third Party Rental Source | $1833.00 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1833.00 |  |  | No |  |  |  | Long Term |  | $1278.00 | No |  |  |  | Long Term |  | $850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $197.62 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor | 3.47 |  | US Citizen | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 786 | Fair Isaac (VER. 2) | 787 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223862285 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2250.00 | Third Party Rental Source | $2077.97 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $2077.97 |  |  | No |  |  |  | Long Term |  | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $46.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 771 | Fair Isaac (VER. 2) | 781 | Beacon 5 | 774 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 792 | Fair Isaac (VER. 2) | 799 | Beacon 5 | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 74.894% | [Redacted] |  |  | 74.894% | [Redacted] |  | 74.894% |  |  |  |  |  |  |  |  |
| 223871887 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Rent on Existing Lease | $2999.30 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2999.30 |  |  | Yes | XXXX | XXXX | 2 | Long Term | $3000.00 | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $162.67 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor |  |  | US Citizen | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 721 | Fair Isaac (VER. 2) | 702 | Beacon 5 | 718 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 69.350% | [Redacted] |  |  | 69.350% | [Redacted] |  | 69.350% |  |  |  |  |  |  |  |  |
| 223871893 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Rent on Existing Lease | $1296.84 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1296.84 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1500.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $86.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor | 9.37 |  | US Citizen | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 732 | Fair Isaac (VER. 2) | 740 | Beacon 5 | 736 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223872663 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1456.92 |  | 0.324673 |  |  |  |  |  | $1456.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $109.58 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 759 | FICO II | 779 | Beacon 5 | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223872728 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $4100.00 | Multiple Sources | $2976.53 |  | 0.000000 | 0.73 |  |  | 1.38 | 1.38 | $2976.53 |  |  | No |  |  |  | Short Term | $5125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40010.00 |  |  | XXXX | $234.67 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 759 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 773 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 796 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 784 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223872749 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $1882.52 |  | 0.000000 | 0.78 |  |  | 1.27 | 1.27 | $1882.52 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25300.00 |  |  | XXXX | $77.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 657 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 664 | Fair Isaac (VER. 2) | 657 | Beacon 5 | 638 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 50.000% | [Redacted] |  |  | 50.000% | [Redacted] |  | 50.000% |  |  |  |  |  |  |  |  |
| 223874674 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Rent on Existing Lease | $2998.80 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2998.80 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $3000.00 | $3890.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28270.00 |  |  | XXXX | $495.33 | Level 4-Stated/Verified as defined | No | 2 | 12 | No |  | No | Experienced Investor | 0.10 |  | US Citizen | 693 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 737 | Fair Isaac (VER. 2) | 665 | Beacon 5 | 693 | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 33.997% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223877134 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $2506.66 | Multiple Sources | $974.67 |  | 0.000000 | 0.39 |  |  | 2.57 | 2.57 | $974.67 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $3133.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $48.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 688 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 699 | Fair Isaac (VER. 2) | 678 | Beacon 5 | 688 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223877171 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $6054.80 |  | 0.373376 |  |  |  |  |  | $6054.80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $188.92 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 10.24 | US Citizen |  | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 744 | Fair Isaac (VER. 2) | 698 | Beacon 5 | 713 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223877256 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3100.00 | Third Party Rental Source | $2504.88 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $2504.88 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2100.00 | $1000.00 | Yes | XXXX | XXXX | 12 | Long Term | $900.00 | $900.00 | Yes | XXXX | XXXX | 12 | Long Term | $1400.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $59230.00 |  |  | XXXX | $213.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 1.41 |  | Permanent Resident Alien | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 700 | Fair Isaac (VER. 2) | 670 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 145.038% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223877479 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $1108.89 |  | 0.000000 | 0.43 |  |  | 2.34 | 2.34 | $1108.89 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $201.92 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No |  | Experienced Investor | 7.93 | US Citizen |  | 659 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 656 | Fair Isaac (VER. 2) | 659 | Beacon 5 | 685 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 55.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223877779 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1175.00 | Third Party Rental Source | $913.53 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $913.53 |  |  | No |  |  |  | Long Term |  | $1175.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $86.06 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 758 | Fair Isaac (VER. 2) | 745 | Beacon 5 | 765 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 758 | Fair Isaac (VER. 2) | 747 | Beacon 5 | 686 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223878007 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2368.53 |  | 0.441382 |  |  |  |  |  | $2368.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $60.76 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 3.04 |  | US Citizen | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 734 | Fair Isaac (VER. 2) | 664 | Beacon 5 | 740 | FICO Risk Score Classic 04 | Individual |  |  | 13 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 753 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223878012 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1825.00 | Multiple Sources | $1410.91 |  | 0.000000 | 0.77 |  |  | 1.29 | 1.29 | $1410.91 |  |  | No |  |  |  | Long Term |  | $1000.00 | Yes | XXXX | XXXX | 84 | Long Term | $825.00 | $850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $104.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 783 | Fair Isaac (VER. 2) | 801 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223878016 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1896.07 |  | 0.438447 |  |  |  |  |  | $1896.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $56.25 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 3.04 |  | US Citizen | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 734 | Fair Isaac (VER. 2) | 664 | Beacon 5 | 740 | FICO Risk Score Classic 04 | Individual |  |  | 12 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 753 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223878046 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1811.75 |  | 0.427063 |  |  |  |  |  | $1811.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $69.75 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 3.04 |  | US Citizen | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 734 | Fair Isaac (VER. 2) | 664 | Beacon 5 | 740 | FICO Risk Score Classic 04 | Individual |  |  | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 753 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223879346 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4811.62 |  | 0.347613 |  |  |  |  |  | $4811.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $74.34 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 790 | Fair Isaac (VER. 2) | 803 | Beacon 5 | 770 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | Fair Isaac (VER. 2) | 797 | Beacon 5 | 793 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223881307 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3100.00 | Third Party Rental Source | $2751.44 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $2751.44 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $3500.00 | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $134.92 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor |  |  | US Citizen | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 721 | Fair Isaac (VER. 2) | 702 | Beacon 5 | 718 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223881435 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3660.00 | Multiple Sources | $3627.63 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3627.63 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $4575.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $81.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 780 | FICO II | 797 | Beacon 5 | 806 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223881441 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2617.22 |  | 0.459345 |  |  |  |  |  | $2617.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $112.25 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 705 | Fair Isaac (VER. 2) | 712 | Beacon 5 | 681 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223881462 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1931.84 |  | 0.426775 |  |  |  |  |  | $1931.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $57.96 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 3.04 |  | US Citizen | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 13 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 734 | Fair Isaac (VER. 2) | 664 | Beacon 5 | 740 | FICO Risk Score Classic 04 | Individual |  |  | 12 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 753 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223881521 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2250.00 | Third Party Rental Source | $2081.01 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $2081.01 |  |  | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $51960.00 |  |  | XXXX | $136.68 | Level 4-Stated/Verified as defined | No | 1 | 19 | No | No |  | Experienced Investor |  | US Citizen |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 796 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223881659 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2236.91 |  | 0.438460 |  |  |  |  |  | $2236.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $65.50 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  | 3.04 |  | US Citizen | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 734 | Fair Isaac (VER. 2) | 664 | Beacon 5 | 740 | FICO Risk Score Classic 04 | Individual |  |  | 13 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 753 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223881952 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $2531.19 |  | 0.000000 | 1.05 |  |  | 0.95 | 0.95 | $2531.19 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $12.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 793 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 784 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 57.447% | [Redacted] |  |  | 57.447% | [Redacted] |  | 57.447% |  |  |  |  |  |  |  |  |
| 223881978 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1650.00 | Multiple Sources | $1051.20 |  | 0.000000 | 0.64 |  |  | 1.57 | 1.57 | $1051.20 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $800.00 | $850.00 | Yes | XXXX | XXXX | 12 | Long Term | $1329.00 | $850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $98.42 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | Non-Permanent Resident Alien | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 794 | Fair Isaac (VER. 2) | 795 | Beacon 5 | 790 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 730 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 716 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223882152 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2875.24 |  | 0.420945 |  |  |  |  |  | $2875.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $158.48 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 771 | Fair Isaac (VER. 2) | 767 | Beacon 5 | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223882250 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3538.36 |  | 0.443601 |  |  |  |  |  | $3538.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $134.92 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 763 | Fair Isaac (VER. 2) |  |  | 749 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 752 | Fair Isaac (VER. 2) |  |  | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223887719 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $37500.00 | Third Party Rental Source | $24429.22 |  | 0.000000 | 0.65 |  |  | 1.54 | 1.54 | $24429.22 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $22500.00 | $15000.00 | No |  |  |  | Long Term |  | $7500.00 | No |  |  |  | Long Term |  | $7500.00 | No |  |  |  | Long Term |  | $7500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $1150.74 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 15.69 |  | US Citizen | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 723 | Fair Isaac (VER. 2) | 658 | Beacon 5 | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 54.545% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223887904 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2137.76 |  | 0.000000 |  |  |  |  |  | $2137.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $187.33 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  |  |  | US Citizen | 655 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 707 | Fair Isaac (VER. 2) | 655 | Beacon 5 | 651 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223887925 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $1550.44 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $1550.44 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24000.00 |  |  | XXXX | $218.83 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 718 | Fair Isaac (VER. 2) | 743 | Beacon 5 | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 67.692% | [Redacted] |  |  | 60.000% | [Redacted] |  | 60.000% |  |  |  |  |  |  |  |  |
| 223887927 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2000.00 | Rent on Existing Lease | $1318.13 |  | 0.000000 | 0.66 |  |  | 1.52 | 1.52 | $1318.13 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $2000.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 |  |  | XXXX | $209.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 0.14 | US Citizen | US Citizen | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 794 | Fair Isaac (VER. 2) | 779 | Beacon 5 | 773 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 830 | Fair Isaac (VER. 2) |  |  | 811 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 35.370% | [Redacted] |  |  | 36.679% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223887941 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2900.00 | Third Party Rental Source | $2896.95 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2896.95 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3295.00 | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $85.54 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 0.59 | US Citizen |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 785 | Fair Isaac (VER. 2) | 755 | Beacon 5 | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 68.475% | [Redacted] |  |  | 56.901% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223888345 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $1565.62 |  | 0.000000 | 0.63 |  |  | 1.60 | 1.6 | $1565.62 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $84.51 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.25 | US Citizen |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 779 | Fair Isaac (VER. 2) | 798 | Beacon 5 | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 49.140% | [Redacted] |  |  | 49.261% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223888348 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2300.00 | Third Party Rental Source | $1973.50 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $1973.50 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $85.39 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 791 | Fair Isaac (VER. 2) | 798 | Beacon 5 | 785 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223888511 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $9583.33 | Third Party Rental Source | $7449.49 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $7449.49 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $9583.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80000.00 |  |  | XXXX | $860.06 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 787 | Fair Isaac (VER. 2) | 801 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223888512 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2956.34 |  | 0.148970 |  |  |  |  |  | $2956.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $43.00 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 806 | FICO II | 798 | Beacon 5 | 805 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  | 801 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223888520 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1604.00 | Third Party Rental Source | $1585.10 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1585.10 |  |  | No |  |  |  | Long Term |  | $1604.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $153.50 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | Permanent Resident Alien | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 756 | Fair Isaac (VER. 2) | 749 | Beacon 5 | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223888536 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1900.00 | Third Party Rental Source | $1297.60 |  | 0.000000 | 0.68 |  |  | 1.46 | 1.46 | $1297.60 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $28.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 724 | Fair Isaac (VER. 2) | 756 | Beacon 5 | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 41.494% | [Redacted] |  |  | 39.216% | [Redacted] |  | 39.216% |  |  |  |  |  |  |  |  |
| 223888671 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2584.55 |  | 0.261142 |  |  |  |  |  | $2584.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $42.50 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 794 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223888804 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1988.96 |  | 0.494198 |  |  |  |  |  | $1988.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $126.17 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 17.49 | US Citizen |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 693 | Fair Isaac (VER. 2) | 707 | Beacon 5 | 707 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223888805 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2036.17 |  | 0.470878 |  |  |  |  |  | $2036.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $119.36 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 747 | FICO II | 731 | Beacon 5 | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223889857 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3240.00 | Third Party Rental Source | $3167.31 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $3167.31 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $1350.00 | $1350.00 | No |  |  |  | Long Term |  | $990.00 | No |  |  |  | Long Term |  | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $671.63 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  | No | Experienced Investor |  |  | US Citizen | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 782 | Fair Isaac (VER. 2) | 778 | Beacon 5 | 794 | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 796 | Fair Isaac (VER. 2) | 806 | Beacon 5 | 794 | FICO Risk Score Classic 04 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223891723 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3150.00 | Rent on Existing Lease | $3150.23 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3150.23 |  |  | Yes | XXXX | XXXX | 36 | Long Term | $3150.00 | $3150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $125.42 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  | No | Experienced Investor |  |  | US Citizen | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 763 | FICO II | 729 | Beacon 5 | 705 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223891725 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $6384.03 |  | 0.495185 |  |  |  |  |  | $6384.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $35.42 | Level 2-Stated/Not Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 769 | Fair Isaac (VER. 2) | 782 | Beacon 5 | 744 | FICO Risk Score Classic 04 | Individual | Individual | Retired |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 779 | Fair Isaac (VER. 2) | 794 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223891729 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2850.00 | Third Party Rental Source | $2626.64 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $2626.64 |  |  | No |  |  |  | Long Term |  | $2850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $64.93 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 789 | Fair Isaac (VER. 2) | 722 | Beacon 5 | 726 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 65.000% | [Redacted] |  | 65.000% |  |  |  |  |  |  |  |  |
| 223891801 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1850.00 | Third Party Rental Source | $1063.05 |  | 0.000000 | 0.57 |  |  | 1.74 | 1.74 | $1063.05 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $83400.00 |  |  | XXXX | $63.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 804 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 800 | Fair Isaac (VER. 2) | 814 | Beacon 5 | 805 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 804 | Fair Isaac (VER. 2) | 806 | Beacon 5 | 790 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223891978 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3050.00 | Rent on Existing Lease | $2094.17 |  | 0.000000 | 0.69 |  |  | 1.46 | 1.46 | $2094.17 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1600.00 | $1600.00 | Yes | XXXX | XXXX | 12 | Long Term | $1450.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80100.00 |  |  | XXXX | $430.04 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 807 | Fair Isaac (VER. 2) | 792 | Beacon 5 | 741 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223892321 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Rent on Existing Lease | $1311.69 |  | 0.000000 | 0.87 |  |  | 1.14 | 1.14 | $1311.69 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1500.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $106.75 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  | No | Experienced Investor | 1.04 |  | US Citizen | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 770 | Fair Isaac (VER. 2) | 777 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.423% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900197 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3600.00 | Rent on Existing Lease | $3560.80 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3560.80 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3600.00 | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $316.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 21.39 | US Citizen |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 735 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 69.495% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900249 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2125.00 | Third Party Rental Source | $1529.03 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | $1529.03 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $2300.00 | $2125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 |  |  | XXXX | $154.69 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 5.76 |  | US Citizen | 667 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 678 | Fair Isaac (VER. 2) | 650 | Beacon 5 | 667 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900252 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1620.27 |  | 0.401436 |  |  |  |  |  | $1620.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $65.17 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 726 | FICO II | 772 | Beacon 5 | 744 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 766 | FICO II | 759 | Beacon 5 | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900313 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5400.00 | Third Party Rental Source | $6952.53 |  | 0.000000 | 1.29 |  |  | 0.78 | 0.78 | $6952.53 |  |  | No |  |  |  | Long Term |  | $5400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $178.33 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | [Redacted] | 721 | FICO II | 720 | Beacon 5 | 691 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 65.000% | [Redacted] |  | 65.000% |  |  |  |  |  |  |  |  |
| 223900319 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $6422.63 |  | 0.294522 |  |  |  |  |  | $6422.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $194.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 737 | Fair Isaac (VER. 2) | 734 | Beacon 5 | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900364 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $9000.00 | Third Party Rental Source | $5408.34 |  | 0.000000 | 0.6 |  |  | 1.66 | 1.66 | $5408.34 |  |  | No |  |  |  | Long Term |  | $9000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $157.52 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 3.92 | US Citizen |  | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 719 | Fair Isaac (VER. 2) | 713 | Beacon 5 | 689 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 61.375% | [Redacted] |  |  | 68.194% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900382 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1500.00 | Third Party Rental Source | $1424.31 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1424.31 |  |  | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $60.25 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 815 | Fair Isaac (VER. 2) | 788 | Beacon 5 | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223900406 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1635.00 | Third Party Rental Source | $1399.05 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $1399.05 |  |  | No |  |  |  | Long Term |  | $1635.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22000.00 |  |  | XXXX | $85.42 | Level 4-Stated/Verified as defined | No | 1 | 7 | No | No |  | Experienced Investor |  | US Citizen |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 744 | FICO II | 729 | Beacon 5 | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223900423 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2028.29 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | $2028.29 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $84.81 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 785 | Fair Isaac (VER. 2) | 752 | Beacon 5 | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223900518 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3100.00 | Third Party Rental Source | $3088.91 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3088.91 |  |  | No |  |  |  | Long Term |  | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $58000.00 |  |  | XXXX | $973.32 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor | 0.98 | US Citizen | US Citizen | 799 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 799 | FICO II | 782 | Beacon 5 | 799 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 793 | FICO II | 792 | Beacon 5 | 760 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 785 | FICO II | 728 | Beacon 5 | 758 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 680 | FICO II | 699 | Beacon 5 | 691 | FICO Risk Score Classic 04 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 38.925% | [Redacted] |  |  | 39.563% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900861 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3636.71 |  | 0.426387 |  |  |  |  |  | $3636.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $113.17 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 818 | Fair Isaac (VER. 2) | 787 | Beacon 5 | 772 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 805 | Fair Isaac (VER. 2) | 770 | Beacon 5 | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900864 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $2053.78 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $2053.78 |  |  | Yes | XXXX | XXXX | 17 | Long Term | $2500.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42270.00 |  |  | XXXX | $164.58 | Level 3-Stated/Partially Verified | No | 1 | 5 | No | No |  | Experienced Investor | 1.77 | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 783 | Fair Isaac (VER. 2) | 772 | Beacon 5 | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900874 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3300.00 | Rent on Existing Lease | $3071.64 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $3071.64 |  |  | Yes | XXXX | XXXX | 36 | Long Term | $3300.00 | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $213.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.98 | US Citizen |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 755 | Fair Isaac (VER. 2) | 777 | Beacon 5 | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 174.512% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900878 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3681.27 |  | 0.273683 |  |  |  |  |  | $3681.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $175.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 1.00 | US Citizen |  | 673 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 673 | Fair Isaac (VER. 2) | 665 | Beacon 5 | 683 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223900951 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2800.00 | Third Party Rental Source | $2643.05 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $2643.05 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41200.00 |  |  | XXXX | $165.88 | Level 3-Stated/Partially Verified | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223900985 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1350.00 | Third Party Rental Source | $844.45 |  | 0.000000 | 0.63 |  |  | 1.60 | 1.6 | $844.45 |  |  | No |  |  |  | Long Term |  | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $75.42 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 775 | Fair Isaac (VER. 2) | 781 | Beacon 5 | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223901428 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $9500.00 | Third Party Rental Source | $6537.99 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $6537.99 |  |  | No |  |  |  | Long Term |  | $9500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $318.54 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 706 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 703 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 783 | Fair Isaac (VER. 2) | 786 | Beacon 5 | 784 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 52.583% | [Redacted] |  |  | 52.583% | [Redacted] |  | 52.583% |  |  |  |  |  |  |  |  |
| 223901994 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1670.00 | Third Party Rental Source | $1740.43 |  | 0.000000 | 1.04 |  |  | 0.96 | 0.96 | $1740.43 |  |  | No |  |  |  | Long Term |  | $1670.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $85.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 764 | Fair Isaac (VER. 2) | 813 | Beacon 5 | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223901999 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4743.87 |  | 0.480971 |  |  |  |  |  | $4743.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $217.42 | Level 2-Stated/Not Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 780 | Fair Isaac (VER. 2) | 728 | Beacon 5 | 689 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 818 | Fair Isaac (VER. 2) | 723 | Beacon 5 | 682 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223902090 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $1333.38 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $1333.38 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $105.75 | Level 4-Stated/Verified as defined | No | 1 | 16 | No | No |  | Experienced Investor |  | US Citizen |  | 693 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 702 | Fair Isaac (VER. 2) | 693 | Beacon 5 | 651 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 65.000% | [Redacted] |  | 65.000% |  |  |  |  |  |  |  |  |
| 223903458 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $2673.33 | Multiple Sources | $2050.65 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $2050.65 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $3341.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $85.02 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 775 | Fair Isaac (VER. 2) | 768 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223903460 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1500.00 | Third Party Rental Source | $1403.74 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $1403.74 |  |  | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $55.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 815 | Fair Isaac (VER. 2) | 788 | Beacon 5 | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223903462 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2486.20 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2486.20 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $137.70 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 696 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 697 | FICO II | 696 | Beacon 5 | 637 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223903546 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $2499.03 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2499.03 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $37.08 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 14.07 | US Citizen |  | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 725 | Fair Isaac (VER. 2) | 712 | Beacon 5 | 691 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 74.714% | [Redacted] |  |  | 163.438% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903549 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4150.00 | Third Party Rental Source | $3267.98 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $3267.98 |  |  | No |  |  |  | Long Term |  | $2550.00 | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $225.24 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.23 | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 802 | FICO II | 769 | Beacon 5 | 768 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 76.602% | [Redacted] |  |  | 105.236% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903550 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3940.69 |  | 0.499765 |  |  |  |  |  | $3940.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $121.78 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 816 | Fair Isaac (VER. 2) | 797 | Beacon 5 | 808 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 798 | Fair Isaac (VER. 2) | 778 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903552 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $1506.37 |  | 0.000000 | 0.68 |  |  | 1.46 | 1.46 | $1506.37 |  |  | Yes | XXXX | XXXX | 6 | Long Term | $3000.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $55.74 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor | 28.38 | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | Fair Isaac (VER. 2) | 772 | Beacon 5 | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 43.988% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903686 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1664.45 |  | 0.264765 |  |  |  |  |  | $1664.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $208.33 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 681 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 691 | Fair Isaac (VER. 2) | 681 | Beacon 5 | 677 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903687 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5947.59 |  | 0.361017 |  |  |  |  |  | $5947.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $454.24 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 773 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 801 | Fair Isaac (VER. 2) | 771 | Beacon 5 | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903693 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $2195.58 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2195.58 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33000.00 |  |  | XXXX | $238.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 729 | Fair Isaac (VER. 2) | 731 | Beacon 5 | 719 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223903718 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2150.00 | Third Party Rental Source | $1780.98 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1780.98 |  |  | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20300.00 |  |  | XXXX | $113.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 736 | Fair Isaac (VER. 2) | 758 | Beacon 5 | 761 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223903890 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3500.00 | Third Party Rental Source | $3440.59 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $3440.59 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $314.81 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 716 | Fair Isaac (VER. 2) | 698 | Beacon 5 | 711 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 673 | Fair Isaac (VER. 2) | 676 | Beacon 5 | 682 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 40.678% | [Redacted] |  |  | 40.678% | [Redacted] |  | 40.678% |  |  |  |  |  |  |  |  |
| 223903898 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1950.00 | Third Party Rental Source | $1689.32 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1689.32 |  |  | Yes | XXXX | XXXX | 13 | Long Term | $1998.00 | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $31000.00 |  |  | XXXX | $143.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor | 1.02 |  | Permanent Resident Alien | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 698 | Fair Isaac (VER. 2) | 705 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 71.250% | [Redacted] |  |  | 144.426% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903899 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2800.00 | Third Party Rental Source | $2483.57 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $2483.57 |  |  | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $117.92 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 738 | Beacon 5 | 741 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223903900 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Rent on Existing Lease | $2611.89 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2611.89 |  |  | Yes | XXXX | XXXX | 26 | Long Term | $3000.00 | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $119.33 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  | No | Experienced Investor |  |  | US Citizen | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 721 | Fair Isaac (VER. 2) | 702 | Beacon 5 | 718 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 69.196% | [Redacted] |  |  | 69.196% | [Redacted] |  | 69.196% |  |  |  |  |  |  |  |  |
| 223903906 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $10500.00 | Rent on Existing Lease | $8169.67 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $8169.67 |  |  | Yes | XXXX | XXXX | 18 | Long Term | $10500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $39.13 | Level 1-Not Stated/Not Verified | No | 2 | 2 | No |  | No | Experienced Investor | 0.59 |  | Non-Permanent Resident Alien | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 752 | Fair Isaac (VER. 2) | 748 | Beacon 5 | 735 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 51.083% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903913 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3300.00 | Third Party Rental Source | $2057.78 |  | 0.000000 | 0.62 |  |  | 1.60 | 1.6 | $2057.78 |  |  | No |  |  |  | Long Term |  | $1100.00 | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38400.00 |  |  | XXXX | $69.17 | Level 4-Stated/Verified as defined | No | 3 | 3 | No | No |  | Experienced Investor | 2.34 | Non-Permanent Resident Alien |  | 721 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 729 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 721 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 50.000% | [Redacted] |  |  | 65.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903921 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Third Party Rental Source | $2185.81 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $2185.81 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $3500.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $62.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 2.34 | Non-Permanent Resident Alien |  | 721 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 729 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 721 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 52.000% | [Redacted] |  |  | 65.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223903924 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2700.00 | Rent on Existing Lease | $2113.85 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $2113.85 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $1500.00 | $1800.00 | Yes | XXXX | XXXX | 1 | Long Term | $1200.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $75.25 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 2.39 | Non-Permanent Resident Alien |  | 721 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 729 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 721 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 54.167% | [Redacted] |  |  | 65.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223904145 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1762.67 |  | 0.000000 | 1.1 |  |  | 0.91 | 0.91 | $1762.67 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $2046.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $103.65 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor | 13.26 | US Citizen |  | 755 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 765 | FICO II | 654 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223904149 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3200.00 | Rent on Existing Lease | $4081.40 |  | 0.000000 | 1.28 |  |  | 0.78 | 0.78 | $4081.40 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $68.17 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor |  |  | US Citizen | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 747 | Fair Isaac (VER. 2) | 758 | Beacon 5 | 754 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 774 | Fair Isaac (VER. 2) | 763 | Beacon 5 | 773 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223911924 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4160.00 | Third Party Rental Source | $3614.92 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $3614.92 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $4160.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $118.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | Fair Isaac (VER. 2) | 778 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223913227 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4800.00 | Third Party Rental Source | $3555.38 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $3555.38 |  |  | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $317.58 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 758 | Fair Isaac (VER. 2) | 731 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223913231 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5382.81 |  | 0.396318 |  |  |  |  |  | $5382.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $100.83 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 822 | FICO II | 806 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223913234 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3300.00 | Third Party Rental Source | $2893.95 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2893.95 |  |  | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 |  |  | XXXX | $191.74 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor |  | US Citizen |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 731 | Fair Isaac (VER. 2) | 764 | Beacon 5 | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223913667 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3375.00 | Rent on Existing Lease | $2941.95 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2941.95 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3375.00 | $3550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $39600.00 |  |  | XXXX | $139.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 8.03 |  | US Citizen | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 728 | Fair Isaac (VER. 2) | 742 | Beacon 5 | 740 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 703 | Fair Isaac (VER. 2) | 784 | Beacon 5 | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 47.619% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223913716 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $2364.38 |  | 0.000000 | 1.07 |  |  | 0.93 | 0.93 | $2364.38 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2300.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $66.58 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor | 12.22 |  | US Citizen | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 734 | Fair Isaac (VER. 2) | 748 | Beacon 5 | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 69.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223913822 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2788.37 |  | 0.154308 |  |  |  |  |  | $2788.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $57.00 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 790 | Fair Isaac (VER. 2) | 796 | Beacon 5 | 797 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 798 | Fair Isaac (VER. 2) | 792 | Beacon 5 | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223913845 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3520.00 | Third Party Rental Source | $3224.12 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $3224.12 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3600.00 | $3520.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $230.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 732 | FICO II | 757 | Beacon 5 | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223914606 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2150.00 | Third Party Rental Source | $2318.06 |  | 0.000000 | 1.08 |  |  | 0.93 | 0.93 | $2318.06 |  |  | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $44.04 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 825 | FICO II | 795 | Beacon 5 | 773 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 774 | FICO II | 775 | Beacon 5 | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223914617 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3300.00 | Third Party Rental Source | $2808.97 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | $2808.97 |  |  | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $90.00 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 736 | Fair Isaac (VER. 2) | 720 | Beacon 5 | 734 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223915001 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1350.00 | Rent on Existing Lease | $794.77 |  | 0.000000 | 0.59 |  |  | 1.70 | 1.7 | $794.77 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $1350.00 | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $16200.00 |  |  | XXXX | $85.20 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 803 | Fair Isaac (VER. 2) | 756 | Beacon 5 | 776 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 51.282% | [Redacted] |  |  | 51.282% | [Redacted] |  | 51.282% |  |  |  |  |  |  |  |  |
| 223915382 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6300.00 | Third Party Rental Source | $5309.08 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $5309.08 |  |  | No |  |  |  | Long Term |  | $6300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $774.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 780 | Fair Isaac (VER. 2) | 763 | Beacon 5 | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223915384 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3471.16 |  | 0.522907 |  |  |  |  |  | $3471.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $37.42 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 725 | Fair Isaac (VER. 2) | 741 | Beacon 5 | 750 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | Fair Isaac (VER. 2) | 758 | Beacon 5 | 778 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 814 | Fair Isaac (VER. 2) | 805 | Beacon 5 | 807 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915406 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $7476.00 | Rent on Existing Lease | $5497.85 |  | 0.000000 | 0.74 |  |  | 1.36 | 1.36 | $5497.85 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $4201.00 | $5500.00 | Yes | XXXX | XXXX | 1 | Long Term | $1750.00 | $2800.00 | Yes | XXXX | XXXX | 1 | Long Term | $1525.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $300000.00 |  |  | XXXX | $342.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 17.04 |  | US Citizen | 681 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 787 | Fair Isaac (VER. 2) | 681 | Beacon 5 | 652 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 33.803% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915417 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2336.00 | Rent on Existing Lease | $2046.18 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2046.18 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $475.00 | $900.00 | Yes | XXXX | XXXX | 12 | Long Term | $800.00 | $900.00 | Yes | XXXX | XXXX | 12 | Long Term | $495.00 | $900.00 | Yes | XXXX | XXXX | 12 | Long Term | $566.00 | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $85.58 | Level 4-Stated/Verified as defined | No | 1 | 17 | No | No |  | Experienced Investor | 6.93 | US Citizen |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 794 | Fair Isaac (VER. 2) | 794 | Beacon 5 | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915486 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4800.00 | Third Party Rental Source | $3315.45 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $3315.45 |  |  | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35000.00 |  |  | XXXX | $296.33 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  | No | Experienced Investor |  |  | US Citizen | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 758 | Fair Isaac (VER. 2) | 731 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223915529 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1989.23 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1989.23 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $53.08 | Level 4-Stated/Verified as defined | No | 1 | 10 | No | No |  | Experienced Investor |  | US Citizen |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 801 | Fair Isaac (VER. 2) | 814 | Beacon 5 | 795 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223915533 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $1815.76 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $1815.76 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28000.00 |  |  | XXXX | $177.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 810 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 820 | FICO II | 810 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 51.807% | [Redacted] |  |  | 51.807% | [Redacted] |  | 51.807% |  |  |  |  |  |  |  |  |
| 223915540 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $7430.39 |  | 0.418570 |  |  |  |  |  | $7430.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $515.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 2.43 | US Citizen |  | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 730 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 690 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915545 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3174.50 | Third Party Rental Source | $2056.94 |  | 0.000000 | 0.65 |  |  | 1.54 | 1.54 | $2056.94 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3174.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 |  |  | XXXX | $62.45 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 783 | Fair Isaac (VER. 2) | 796 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223915709 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2967.95 |  | 0.405684 |  |  |  |  |  | $2967.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $419.76 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 806 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 748 | FICO II | 795 | Beacon 5 | 753 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 811 | FICO II | 806 | Beacon 5 | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915785 | [Redacted] | [Redacted] |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $4640.65 |  | 0.499406 |  |  |  |  |  | $4640.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $715.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 4.42 | US Citizen |  | 654 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 654 | FICO II | 655 | Beacon 5 | 647 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915821 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2633.53 |  | 0.000000 |  |  |  |  |  | $2633.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $39.83 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  |  |  | US Citizen | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 781 | Fair Isaac (VER. 2) | 666 | Beacon 5 | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915823 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1804.25 |  | 0.370571 |  |  |  |  |  | $1804.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $126.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 0.59 | US Citizen |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 820 | Fair Isaac (VER. 2) | 776 | Beacon 5 | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915950 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1925.68 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $1925.68 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $53.08 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 801 | Fair Isaac (VER. 2) | 814 | Beacon 5 | 795 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223915953 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $2065.70 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2065.70 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $128.94 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | Non-Permanent Resident Alien | 781 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | FICO II | 781 | Beacon 5 | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223915959 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2297.25 |  | 0.355409 |  |  |  |  |  | $2297.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $119.27 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 783 | FICO II | 778 | Beacon 5 | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915969 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Rent on Existing Lease | $2901.35 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $2901.35 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $3000.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $89.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.74 | US Citizen |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 720 | FICO II | 760 | Beacon 5 | 690 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223915982 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1976.95 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1976.95 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $55.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 778 | FICO II | 798 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223916062 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1550.00 | Third Party Rental Source | $1475.86 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1475.86 |  |  | Yes | XXXX | XXXX | 13 | Long Term | $1600.00 | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $122.79 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 15.25 | US Citizen |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 763 | FICO II | 742 | Beacon 5 | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922307 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3600.00 | Third Party Rental Source | $2938.28 |  | 0.000000 | 0.82 |  |  | 1.23 | 1.23 | $2938.28 |  |  | Yes | XXXX | XXXX | 60 | Long Term | $4000.00 | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $199.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 21.67 | US Citizen |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 756 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 57.037% | [Redacted] |  |  | 57.037% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922419 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3660.00 | Multiple Sources | $3626.85 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3626.85 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $4575.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 |  |  | XXXX | $0.00 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 694 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 694 | Fair Isaac (VER. 2) | 697 | Beacon 5 | 682 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 67.593% | [Redacted] |  |  | 67.593% | [Redacted] |  | 67.593% |  |  |  |  |  |  |  |  |
| 223922428 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1650.00 | Rent on Existing Lease | $1421.81 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1421.81 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1650.00 | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $86.33 | Level 4-Stated/Verified as defined | No | 1 | 25 | No | No | No | Experienced Investor | 1.13 | US Citizen | US Citizen | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 760 | FICO II | 757 | Beacon 5 | 775 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 767 | FICO II | 743 | Beacon 5 | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 63.612% | [Redacted] |  |  | 140.196% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922430 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2811.30 |  | 0.289721 |  |  |  |  |  | $2811.30 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $207.43 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 778 | FICO II | 778 | Beacon 5 | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922716 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1950.00 | Third Party Rental Source | $1949.96 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1949.96 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $65.17 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 738 | FICO II | 758 | Beacon 5 | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 79.491% | [Redacted] |  |  | 79.491% | [Redacted] |  | 79.491% |  |  |  |  |  |  |  |  |
| 223922723 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5824.46 |  | 0.491990 |  |  |  |  |  | $5824.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $92.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 815 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 815 | FICO II | 813 | Beacon 5 | 819 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922725 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $9000.00 | Rent on Existing Lease | $3576.72 |  | 0.000000 | 0.4 |  |  | 2.52 | 2.52 | $3576.72 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3000.00 | $3000.00 | Yes | XXXX | XXXX | 1 | Long Term | $3000.00 | $3000.00 | Yes | XXXX | XXXX | 1 | Long Term | $3000.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $422.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 789 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 797 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 809 | Fair Isaac (VER. 2) | 805 | Beacon 5 | 809 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 36.444% | [Redacted] |  |  | 36.444% | [Redacted] |  | 36.444% |  |  |  |  |  |  |  |  |
| 223922731 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1375.00 | Rent on Existing Lease | $1378.76 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1378.76 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1375.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8100.00 |  |  | XXXX | $18.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 27.01 | US Citizen |  | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 719 | Fair Isaac (VER. 2) | 713 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 45.111% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922732 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2977.50 | Multiple Sources | $2482.43 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $2482.43 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1190.00 | $1625.00 | Yes | XXXX | XXXX | 12 | Long Term | $1940.00 | $1787.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $217.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 758 | Fair Isaac (VER. 2) | 731 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223922733 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1750.00 | Rent on Existing Lease | $1673.69 |  | 0.000000 | 0.96 |  |  | 1.05 | 1.05 | $1673.69 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1750.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $95.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.91 | US Citizen |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 750 | FICO II | 723 | Beacon 5 | 721 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 147.959% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922737 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $1944.79 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $1944.79 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $51.82 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 719 | FICO II | 735 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223922741 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $7202.57 |  | 0.448124 |  |  |  |  |  | $7202.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $308.08 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 812 | FICO II | 811 | Beacon 5 | 812 | FICO Risk Score Classic 04 | Individual | Individual | Retired |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 812 | FICO II | 811 | Beacon 5 | 807 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922742 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $1533.53 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | $1533.53 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $18.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | First-Time Investor |  |  | US Citizen | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 752 | Fair Isaac (VER. 2) | 711 | Beacon 5 | 720 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 53.997% | [Redacted] |  |  | 53.997% | [Redacted] |  | 53.997% |  |  |  |  |  |  |  |  |
| 223922745 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4556.26 |  | 0.481774 |  |  |  |  |  | $4556.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $177.67 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 725 | Fair Isaac (VER. 2) | 753 | Beacon 5 | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922787 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2298.26 |  | 0.249086 |  |  |  |  |  | $2298.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $109.00 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 784 | Fair Isaac (VER. 2) | 778 | Beacon 5 | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922814 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4840.60 |  | 0.000000 |  |  |  |  |  | $4840.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $552.17 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 689 | Fair Isaac (VER. 2) | 729 | VantageScore 2 | 764 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 756 | Fair Isaac (VER. 2) | 733 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223922832 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1709.91 |  | 0.000000 | 1.07 |  |  | 0.94 | 0.94 | $1709.91 |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $56.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 724 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 724 | Fair Isaac (VER. 2) | 731 | Beacon 5 | 716 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223922848 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6500.00 | Third Party Rental Source | $7500.88 |  | 0.000000 | 1.15 |  |  | 0.87 | 0.87 | $7500.88 |  |  | No |  |  |  | Long Term |  | $6500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $121500.00 |  |  | XXXX | $183.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 717 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 717 | Fair Isaac (VER. 2) | 693 | Beacon 5 | 727 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 72.414% | [Redacted] |  |  | 72.414% | [Redacted] |  | 72.414% |  |  |  |  |  |  |  |  |
| 223922849 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2646.98 |  | 0.432253 |  |  |  |  |  | $2646.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $103.86 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 0.52 |  | US Citizen | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 763 | FICO II | 771 | Beacon 5 | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223923956 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Rent on Existing Lease | $1774.31 |  | 0.000000 | 0.59 |  |  | 1.69 | 1.69 | $1774.31 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3000.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $118740.00 |  |  | XXXX | $123.34 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor | 22.31 | US Citizen | US Citizen | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 703 | FICO II | 706 | Beacon 5 | 706 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 719 | FICO II | 710 | Beacon 5 | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 33.058% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223925684 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $10500.00 | Third Party Rental Source | $3776.27 |  | 0.000000 | 0.36 |  |  | 2.78 | 2.78 | $3776.27 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $10500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38730.00 |  |  | XXXX | $281.75 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  | No | Experienced Investor | 0.97 |  | US Citizen | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 9 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | FICO II | 774 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 117.669% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223926404 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4556.91 |  | 0.139327 |  |  |  |  |  | $4556.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $122.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 745 | FICO II | 745 | Beacon 5 | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223926413 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $16500.00 | Third Party Rental Source | $5064.17 |  | 0.000000 | 0.31 |  |  | 3.26 | 3.26 | $5064.17 |  |  | No |  |  |  | Long Term |  | $16500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $82.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 728 | Fair Isaac (VER. 2) | 729 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223926543 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2473.41 |  | 0.012092 |  |  |  |  |  | $2473.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $416.58 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  | 8.30 |  | US Citizen | 696 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 722 | Fair Isaac (VER. 2) | 653 | Beacon 5 | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223926556 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6600.00 | Multiple Sources | $4910.39 |  | 0.000000 | 0.74 |  |  | 1.34 | 1.34 | $4910.39 |  |  | Yes | XXXX | XXXX | 60 | Long Term | $3000.00 | $3500.00 | No |  |  |  | Long Term |  | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $75000.00 |  |  | XXXX | $581.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | Permanent Resident Alien | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 779 | Fair Isaac (VER. 2) | 740 | Beacon 5 | 757 | FICO Risk Score Classic 04 | Individual |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXXX | 812 | Fair Isaac (VER. 2) | 813 | Beacon 5 | 819 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223928461 | [Redacted] | [Redacted] |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $2144.41 |  | 0.314412 |  |  |  |  |  | $2144.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $111.58 | Level 2-Stated/Not Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 790 | FICO II | 794 | Beacon 5 | 801 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 730 | FICO II | 732 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223930289 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2794.76 |  | 0.000000 |  |  |  |  |  | $2794.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $141.09 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 817 | Fair Isaac (VER. 2) | 794 | Beacon 5 | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223932039 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5700.00 | Multiple Sources | $4173.43 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $4173.43 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $2700.00 | $3000.00 | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42200.00 |  |  | XXXX | $234.28 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 13.30 |  | US Citizen | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 804 | FICO II | 793 | Beacon 5 | 790 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223932041 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $1362.60 |  | 0.000000 | 0.65 |  |  | 1.54 | 1.54 | $1362.60 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $62.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 796 | Fair Isaac (VER. 2) | 811 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223932042 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $13100.00 | Rent on Existing Lease | $5276.85 |  | 0.000000 | 0.4 |  |  | 2.48 | 2.48 | $5276.85 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3200.00 | $3200.00 | Yes | XXXX | XXXX | 12 | Long Term | $3600.00 | $3600.00 | Yes | XXXX | XXXX | 12 | Long Term | $6300.00 | $6300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $680.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 4.22 |  | US Citizen | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 772 | Fair Isaac (VER. 2) | 760 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 29.412% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223932048 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4850.00 | Rent on Existing Lease | $4790.47 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4790.47 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1300.00 | $1300.00 | Yes | XXXX | XXXX | 12 | Long Term | $1350.00 | $1350.00 | Yes | XXXX | XXXX | 11 | Long Term | $1250.00 | $1250.00 | Yes | XXXX | XXXX | 12 | Long Term | $950.00 | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $340.49 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  | No | Experienced Investor | 1.35 |  | US Citizen | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 797 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223932049 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1650.00 | Third Party Rental Source | $1106.55 |  | 0.000000 | 0.67 |  |  | 1.49 | 1.49 | $1106.55 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $1677.00 | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12600.00 |  |  | XXXX | $136.33 | Level 1-Not Stated/Not Verified | No | 1 | 10 | No |  | No | Experienced Investor | 0.64 |  | US Citizen | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 759 | Fair Isaac (VER. 2) | 750 | Beacon 5 | 734 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 203.226% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223932067 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2606.25 | Rent on Existing Lease | $2046.34 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $2046.34 |  |  | Yes | XXXX | XXXX | 6 | Long Term | $725.00 | $900.00 | Yes | XXXX | XXXX | 6 | Long Term | $551.25 | $900.00 | Yes | XXXX | XXXX | 1 | Long Term | $580.00 | $900.00 | Yes | XXXX | XXXX | 12 | Long Term | $750.00 | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $85.58 | Level 4-Stated/Verified as defined | No | 1 | 15 | No | No |  | Experienced Investor | 13.51 | US Citizen |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 10 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 794 | Fair Isaac (VER. 2) | 794 | Beacon 5 | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 60.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223932078 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4000.00 | Third Party Rental Source | $3944.92 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3944.92 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41900.00 |  |  | XXXX | $505.92 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 783 | Fair Isaac (VER. 2) | 800 | Beacon 5 | 796 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223932081 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2400.00 | Rent on Existing Lease | $2395.10 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2395.10 |  |  | Yes | XXXX | XXXX | 14 | Long Term | $2400.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $2400.00 |  |  | XXXX | $81.74 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 19.23 | US Citizen |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 670 | FICO II | 715 | Beacon 5 | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 48.193% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223932097 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5900.00 | Third Party Rental Source | $5464.82 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $5464.82 |  |  | No |  |  |  | Long Term |  | $2950.00 | No |  |  |  | Long Term |  | $2950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $175.83 | Level 1-Not Stated/Not Verified | No | 1 | 0 | No |  | No | First-Time Investor |  |  | US Citizen | 724 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 717 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223932102 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2150.00 | Third Party Rental Source | $1745.90 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | $1745.90 |  |  | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $21200.00 |  |  | XXXX | $284.92 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor |  | US Citizen |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 751 | Beacon 5 | 720 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223933085 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3656.64 |  | 0.000000 |  |  |  |  |  | $3656.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $69.33 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 820 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 832 | Fair Isaac (VER. 2) | 809 | Beacon 5 | 820 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223933165 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $24000.00 | Third Party Rental Source | $16025.15 |  | 0.000000 | 0.67 |  |  | 1.50 | 1.5 | $16025.15 |  |  | No |  |  |  | Long Term |  | $24000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $194.32 | Level 1-Not Stated/Not Verified | No | 1 | 8 | No |  | No | Experienced Investor |  |  | Permanent Resident Alien | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 713 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 50.000% | [Redacted] |  |  | 50.000% | [Redacted] |  | 50.000% |  |  |  |  |  |  |  |  |
| 223934013 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $12207.10 |  | 0.385261 |  |  |  |  |  | $12207.10 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $340.92 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 757 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934657 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $27053.89 |  | 0.449625 |  |  |  |  |  | $27053.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $1307.23 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 1.05 |  | US Citizen | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 762 | Fair Isaac (VER. 2) | 776 | Beacon 5 | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934659 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3800.00 | Third Party Rental Source | $4189.21 |  | 0.000000 | 1.1 |  |  | 0.91 | 0.91 | $4189.21 |  |  | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $51300.00 |  |  | XXXX | $265.82 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 798 | Fair Isaac (VER. 2) | 749 | Beacon 5 | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 67.000% | [Redacted] |  |  | 67.000% | [Redacted] |  | 67.000% |  |  |  |  |  |  |  |  |
| 223934691 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3352.36 |  | 0.125894 |  |  |  |  |  | $3352.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $240.42 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 761 | FICO II | 778 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934698 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4050.00 | Third Party Rental Source | $3582.30 |  | 0.000000 | 0.88 |  |  | 1.13 | 1.13 | $3582.30 |  |  | Yes | XXXX | XXXX | 23 | Long Term | $2250.00 | $1700.00 | Yes | XXXX | XXXX | 23 | Long Term | $2450.00 | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $129883.00 |  |  | XXXX | $322.52 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 0.41 |  | US Citizen | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934700 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3796.41 |  | 0.430415 |  |  |  |  |  | $3796.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $249.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 642 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 618 | Fair Isaac (VER. 2) | 648 | Beacon 5 | 642 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934701 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3600.00 | Third Party Rental Source | $4564.84 |  | 0.000000 | 1.27 |  |  | 0.79 | 0.79 | $4564.84 |  |  | No |  |  |  | Long Term |  | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $134.29 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes |  | Yes | First-Time Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  | Individual |  |  | 1 | Foreign National |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223934703 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1950.00 | Third Party Rental Source | $1923.54 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1923.54 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $72.78 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 681 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 644 | FICO II | 686 | Beacon 5 | 681 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223934704 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $2393.40 |  | 0.000000 | 1.14 |  |  | 0.88 | 0.88 | $2393.40 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $46200.00 |  |  | XXXX | $134.77 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | First-Time Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 65.000% | [Redacted] |  | 65.000% |  |  |  |  |  |  |  |  |
| 223934705 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1595.00 | Rent on Existing Lease | $1285.71 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $1285.71 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1595.00 | $1645.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30900.00 |  |  | XXXX | $154.67 | Level 1-Not Stated/Not Verified | No | 1 | 8 | No |  | No | Experienced Investor | 1.19 |  | US Citizen | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 777 | Fair Isaac (VER. 2) | 781 | Beacon 5 | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934707 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $9000.00 | Third Party Rental Source | $6777.92 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $6777.92 |  |  | No |  |  |  | Long Term |  | $4400.00 | No |  |  |  | Long Term |  | $2100.00 | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $262.80 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 785 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 791 | Fair Isaac (VER. 2) | 785 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 55.000% | [Redacted] |  |  | 55.000% | [Redacted] |  | 55.000% |  |  |  |  |  |  |  |  |
| 223934708 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3562.39 |  | 0.331820 |  |  |  |  |  | $3562.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $64.92 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  | 0.40 |  | US Citizen | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 705 | Fair Isaac (VER. 2) | 691 | Beacon 5 | 722 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934818 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1476.38 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1476.38 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $136.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 688 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 656 | Fair Isaac (VER. 2) | 690 | Beacon 5 | 688 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223934925 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2750.00 | Third Party Rental Source | $2535.52 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $2535.52 |  |  | No |  |  |  | Long Term |  | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $48200.00 |  |  | XXXX | $181.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 3.79 | Non-Permanent Resident Alien |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 728 | Fair Isaac (VER. 2) | 736 | FICO Classic V5 Facta | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223934995 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1200.00 | Third Party Rental Source | $1190.56 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1190.56 |  |  | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 |  |  | XXXX | $79.56 | Level 1-Not Stated/Not Verified | No | 1 | 17 | No |  |  | Experienced Investor | 0.10 |  |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual |  |  | 7 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXXX | 777 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 106.240% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223935016 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1588.39 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $1588.39 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24300.00 |  |  | XXXX | $102.70 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | First-Time Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 66.346% | [Redacted] |  | 66.346% |  |  |  |  |  |  |  |  |
| 223935021 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1300.00 | Rent on Existing Lease | $1297.85 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1297.85 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1300.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 |  |  | XXXX | $86.92 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No |  | Experienced Investor | 1.59 | US Citizen |  | 708 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 675 | Fair Isaac (VER. 2) | 710 | Beacon 5 | 708 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223935023 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3440.00 | Multiple Sources | $2313.32 |  | 0.000000 | 0.67 |  |  | 1.49 | 1.49 | $2313.32 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $4300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42000.00 |  |  | XXXX | $113.25 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 785 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 782 | Fair Isaac (VER. 2) | 787 | Beacon 5 | 785 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223935029 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1195.00 | Rent on Existing Lease | $1167.89 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1167.89 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $1195.00 | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $14000.00 |  |  | XXXX | $87.97 | Level 1-Not Stated/Not Verified | No | 1 | 6 | No |  | No | Experienced Investor | 0.10 |  | Permanent Resident Alien | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 7 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 777 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 745 | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 102.400% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223935031 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4200.00 | Rent on Existing Lease | $3703.11 |  | 0.000000 | 0.88 |  |  | 1.13 | 1.13 | $3703.11 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4200.00 | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49640.00 |  |  | XXXX | $253.92 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor | 10.27 | US Citizen |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 729 | FICO II | 725 | Beacon 5 | 681 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223938950 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4800.00 | Third Party Rental Source | $3474.87 |  | 0.000000 | 0.72 |  |  | 1.38 | 1.38 | $3474.87 |  |  | No |  |  |  | Long Term |  | $4800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $194.64 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor |  |  | US Citizen | 691 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 730 | Fair Isaac (VER. 2) | 691 | Beacon 5 | 672 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223939017 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1989.22 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1989.22 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $130.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 684 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 684 | Fair Isaac (VER. 2) | 677 | Beacon 5 | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223939653 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1630.26 |  | 0.226419 |  |  |  |  |  | $1630.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $48.83 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 744 | FICO II | 763 | Beacon 5 | 782 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 794 | FICO II | 782 | Beacon 5 | 761 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223939707 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6190.00 | Rent on Existing Lease | $5596.59 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $5596.59 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2090.00 | $2100.00 | Yes | XXXX | XXXX | 12 | Long Term | $2000.00 | $2100.00 | Yes | XXXX | XXXX | 11 | Long Term | $2100.00 | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $571.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 742 | Fair Isaac (VER. 2) | 713 | Beacon 5 | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223940981 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3881.67 |  | 0.470394 |  |  |  |  |  | $3881.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $104.33 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | Non-Permanent Resident Alien | VISA | Guatemala | Level 3-Stated/Partially Verified | [Redacted] | 679 | Fair Isaac (VER. 2) | 755 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223941066 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2000.00 | Rent on Existing Lease | $1693.11 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1693.11 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $2000.00 | $2050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $176.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 0.55 |  | US Citizen | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 751 | FICO II | 751 | Beacon 5 | 729 | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 125.152% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223941068 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1850.00 | Third Party Rental Source | $1529.08 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1529.08 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $90.28 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 716 | Fair Isaac (VER. 2) | 738 | Beacon 5 | 732 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 748 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223941072 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4600.00 | Third Party Rental Source | $3802.45 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $3802.45 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2100.00 | $2000.00 | Yes | XXXX | XXXX | 12 | Long Term | $2900.00 | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $124560.00 |  |  | XXXX | $168.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 6.76 |  | US Citizen | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 74.783% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223941110 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $2260.52 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2260.52 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $92.39 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 780 | FICO II | 743 | Beacon 5 | 732 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 751 | FICO II | 772 | Beacon 5 | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223941111 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1766.10 |  | 0.371187 |  |  |  |  |  | $1766.10 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $45.24 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | XXXX | 695 | FICO II | 710 | Beacon 5 | 715 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223941428 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5500.00 | Rent on Existing Lease | $4096.11 |  | 0.000000 | 0.74 |  |  | 1.34 | 1.34 | $4096.11 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $3000.00 | $3000.00 | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $67000.00 |  |  | XXXX | $167.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 806 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 807 | FICO II | 788 | Beacon 5 | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 806 | FICO II | 805 | Beacon 5 | 807 | FICO Risk Score Classic 04 | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223941443 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1350.00 | Third Party Rental Source | $1343.76 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1343.76 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1400.00 | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 |  |  | XXXX | $133.42 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 0.45 |  | US Citizen | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 750 | Fair Isaac (VER. 2) | 728 | Beacon 5 | 719 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 182.813% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223941725 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $6113.31 |  | 0.376694 |  |  |  |  |  | $6113.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $723.67 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 17.75 | US Citizen | US Citizen | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 712 | FICO II | 683 | Beacon 5 | 759 | FICO Score 10T | Individual | Individual | Unemployed |  |  | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 821 | FICO II | 717 | Beacon 5 | 712 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223942169 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5580.93 |  | 0.095271 |  |  |  |  |  | $5580.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $78.42 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  |  |  | US Citizen | 672 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 687 | FICO II | 672 | Beacon 5 | 668 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223942462 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3318.94 |  | 0.293200 |  |  |  |  |  | $3318.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $307.08 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | FICO II | 767 | Beacon 5 | 766 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 801 | FICO II | 731 | Beacon 5 | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223942489 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5579.27 |  | 0.379680 |  |  |  |  |  | $5579.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $96.10 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 14.60 | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 738 | FICO II | 762 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223943534 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4367.79 |  | 0.492414 |  |  |  |  |  | $4367.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $94.97 | Level 2-Stated/Not Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 809 | FICO II | 809 | Beacon 5 | 794 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 771 | FICO II | 801 | Beacon 5 | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223943536 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2640.01 |  | 0.478320 |  |  |  |  |  | $2640.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $166.33 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Permanent Resident Alien |  | 671 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | [Redacted] | 671 | Fair Isaac (VER. 2) | 633 | Beacon 5 | 685 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223943544 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4593.34 | Multiple Sources | $3215.45 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | $3215.45 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $5741.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $215.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | Non-Permanent Resident Alien | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 809 | Fair Isaac (VER. 2) | 814 | FICO Classic V5 Facta | 794 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223945240 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3463.65 |  | 0.484798 |  |  |  |  |  | $3463.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $391.20 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 745 | Fair Isaac (VER. 2) | 689 | Beacon 5 | 725 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 781 | Fair Isaac (VER. 2) | 676 | Beacon 5 | 712 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945241 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1100.00 | Third Party Rental Source | $1058.93 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $1058.93 |  |  | No |  |  |  | Long Term |  | $1100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $13000.00 |  |  | XXXX | $71.59 | Level 1-Not Stated/Not Verified | No | 1 | 7 | No |  | No | Experienced Investor | 0.06 |  | Permanent Resident Alien | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 7 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 777 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 745 | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 184.615% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945493 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1900.00 | Third Party Rental Source | $1794.33 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $1794.33 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28000.00 |  |  | XXXX | $84.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 725 | Fair Isaac (VER. 2) | 759 | Beacon 5 | 735 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223945523 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1850.00 | Third Party Rental Source | $1529.07 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1529.07 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $90.28 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 813 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 817 | Fair Isaac (VER. 2) | 813 | Beacon 5 | 812 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 716 | Fair Isaac (VER. 2) | 744 | Beacon 5 | 732 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223945526 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3781.78 |  | 0.016117 |  |  |  |  |  | $3781.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $311.48 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  |  |  | US Citizen | 696 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 722 | Fair Isaac (VER. 2) | 653 | Beacon 5 | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945527 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $6389.34 |  | 0.000000 |  |  |  |  |  | $6389.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $264.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 780 | FICO II | 738 | Beacon 5 | 759 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945531 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1300.00 | Third Party Rental Source | $1286.64 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1286.64 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1450.00 | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 |  |  | XXXX | $131.67 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 0.45 |  | US Citizen | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 750 | Fair Isaac (VER. 2) | 728 | Beacon 5 | 719 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 169.313% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945545 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $7000.00 | Third Party Rental Source | $5622.42 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $5622.42 |  |  | No |  |  |  | Long Term |  | $4400.00 | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $184600.00 |  |  | XXXX | $353.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 667 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 676 | Fair Isaac (VER. 2) | 667 | Beacon 5 | 648 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Fair |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223945549 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1975.00 | Third Party Rental Source | $1492.22 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $1492.22 |  |  | No |  |  |  | Long Term |  | $1975.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $149.56 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 2.92 | Non-Permanent Resident Alien |  | 627 |  |  |  |  | 1 | 0 | 0 | 1 | 1 | 0 |  |  | Individual | Individual |  |  |  | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 627 | Fair Isaac (VER. 2) | 606 | Beacon 5 | 636 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 50.000% | [Redacted] |  |  | 91.034% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945595 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5011.34 |  | 0.449379 |  |  |  |  |  | $5011.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $134.83 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 750 | FICO II | 750 | Beacon 5 | 777 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 748 | FICO II | 759 | Beacon 5 | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945812 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1525.00 | Rent on Existing Lease | $1661.15 |  | 0.000000 | 1.09 |  |  | 0.92 | 0.92 | $1661.15 |  |  | Yes | XXXX | XXXX | 23 | Long Term | $1525.00 | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $103.35 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 36.04 | US Citizen |  | 691 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 691 | Fair Isaac (VER. 2) | 639 | Beacon 5 | 693 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223945819 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2231.86 |  | 0.436007 |  |  |  |  |  | $2231.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $66.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 678 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 706 | Fair Isaac (VER. 2) | 656 | Beacon 5 | 678 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223946357 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3800.00 | Third Party Rental Source | $3591.92 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $3591.92 |  |  | No |  |  |  | Long Term |  | $1900.00 | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 |  |  | XXXX | $114.45 | Level 3-Stated/Partially Verified | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 777 | Fair Isaac Advanced | 774 | Beacon 5 | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223946359 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4100.00 | Multiple Sources | $3842.33 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $3842.33 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2695.00 | $2600.00 | Yes | XXXX | XXXX | 1 | Long Term | $1500.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $103760.00 |  |  | XXXX | $156.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 12.96 |  | US Citizen | 673 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 673 | Fair Isaac (VER. 2) | 673 | Beacon 5 | 698 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223946393 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1100.00 | Third Party Rental Source | $882.04 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $882.04 |  |  | No |  |  |  | Long Term |  | $1100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $83.64 | Level 1-Not Stated/Not Verified | No | 1 | 17 | No |  | No | Experienced Investor | 0.94 |  | Permanent Resident Alien | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 6 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 777 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 745 | FICO Risk Score Classic 04 | Business Entity |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223946567 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $13000.00 | Third Party Rental Source | $7391.25 |  | 0.000000 | 0.57 |  |  | 1.76 | 1.76 | $7391.25 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $13000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49400.00 |  |  | XXXX | $68.67 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  | No | Experienced Investor |  |  | US Citizen | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 789 | FICO II | 784 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223946683 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2994.64 |  | 0.428481 |  |  |  |  |  | $2994.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $103.42 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 825 | FICO II | 803 | Beacon 5 |  |  | Individual | Individual | Unemployed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 818 | FICO II | 815 | Beacon 5 | 799 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223947125 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $7800.00 | Rent on Existing Lease | $4600.15 |  | 0.000000 | 0.59 |  |  | 1.70 | 1.7 | $4600.15 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $3200.00 | $3450.00 | Yes | XXXX | XXXX | 24 | Long Term | $2000.00 | $2050.00 | Yes | XXXX | XXXX | 12 | Long Term | $2600.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $164.23 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 0.43 |  | Non-Permanent Resident Alien | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  | 743 | Beacon 5 | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 142.297% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223947127 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6575.00 | Rent on Existing Lease | $6540.82 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $6540.82 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1650.00 | $1700.00 | Yes | XXXX | XXXX | 12 | Long Term | $1600.00 | $1700.00 | Yes | XXXX | XXXX | 12 | Long Term | $1700.00 | $1700.00 | Yes | XXXX | XXXX | 11 | Long Term | $1625.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $237.25 | Level 2-Stated/Not Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 745 | Fair Isaac (VER. 2) | 739 | Beacon 5 | 714 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223947362 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3260.00 | Third Party Rental Source | $2740.88 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $2740.88 |  |  | No |  |  |  | Long Term |  | $3260.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $145.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 755 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 755 | FICO II | 754 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 58.491% | [Redacted] |  |  | 58.491% | [Redacted] |  | 58.491% |  |  |  |  |  |  |  |  |
| 223947368 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $13000.00 | Third Party Rental Source | $7432.25 |  | 0.000000 | 0.57 |  |  | 1.75 | 1.75 | $7432.25 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $13000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $52000.00 |  |  | XXXX | $109.67 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor |  |  | US Citizen | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 733 | FICO II | 756 | Beacon 5 | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223947400 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6800.00 | Third Party Rental Source | $5645.73 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $5645.73 |  |  | No |  |  |  | Long Term |  | $3400.00 | No |  |  |  | Long Term |  | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $187.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | Experienced Investor |  | Permanent Resident Alien | Permanent Resident Alien | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 808 | Fair Isaac (VER. 2) | 812 | Beacon 5 | 800 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 795 | Fair Isaac (VER. 2) | 787 | Beacon 5 | 802 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223947411 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4026.66 | Multiple Sources | $1993.93 |  | 0.000000 | 0.5 |  |  | 2.02 | 2.02 | $1993.93 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $5033.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $132.83 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 745 | Fair Isaac (VER. 2) | 714 | Beacon 5 | 723 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 722 | Fair Isaac (VER. 2) | 690 | Beacon 5 | 706 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 53.218% | [Redacted] |  |  | 53.218% | [Redacted] |  | 53.218% |  |  |  |  |  |  |  |  |
| 223947454 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $7895.30 |  | 0.038710 |  |  |  |  |  | $7895.30 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $50.67 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  |  |  | US Citizen | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 773 | Fair Isaac (VER. 2) | 796 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223947465 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2747.19 |  | 0.000000 | 1.1 |  |  | 0.91 | 0.91 | $2747.19 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $70.60 | Level 4-Stated/Verified as defined | No | 1 | 10 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 748 | FICO II | 749 | Beacon 5 | 761 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 803 | FICO II | 804 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 49.173% | [Redacted] |  |  | 48.908% | [Redacted] |  | 48.908% |  |  |  |  |  |  |  |  |
| 223949637 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6000.00 | Third Party Rental Source | $7858.75 |  | 0.000000 | 1.31 |  |  | 0.76 | 0.76 | $7858.75 |  |  | No |  |  |  | Long Term |  | $6000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $91.80 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 756 | Fair Isaac (VER. 2) | 763 | Beacon 5 | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 50.000% | [Redacted] |  |  | 50.000% | [Redacted] |  | 50.000% |  |  |  |  |  |  |  |  |
| 223949640 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Rent on Existing Lease | $1270.47 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1270.47 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1500.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $17000.00 |  |  | XXXX | $94.04 | Level 1-Not Stated/Not Verified | No | 1 | 7 | No |  |  | Experienced Investor | 0.10 |  |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual |  |  | 7 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXXX | 777 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 94.897% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223949642 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4450.00 | Multiple Sources | $4262.42 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $4262.42 |  |  | Yes | XXXX | XXXX | 23 | Long Term | $2450.00 | $2000.00 | Yes | XXXX | XXXX | 24 | Long Term | $2450.00 | $2850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $122655.00 |  |  | XXXX | $304.47 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 8.42 |  | US Citizen | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223949644 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3100.00 | Rent on Existing Lease | $2373.10 |  | 0.000000 | 0.77 |  |  | 1.31 | 1.31 | $2373.10 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2200.00 | $2300.00 | Yes | XXXX | XXXX | 36 | Long Term | $900.00 | $1020.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $96.92 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 3.29 | US Citizen |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 796 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223949646 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4054.87 |  | 0.247395 |  |  |  |  |  | $4054.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $94.92 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 736 | Fair Isaac (VER. 2) | 683 | Beacon 5 | 695 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 719 | Beacon 5 | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223949649 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $1816.72 |  | 0.000000 | 0.87 |  |  | 1.16 | 1.16 | $1816.72 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $86.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.47 | US Citizen |  | 696 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 696 | FICO II | 686 | Beacon 5 | 706 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 55.398% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223949726 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2275.00 | Third Party Rental Source | $2962.52 |  | 0.000000 | 1.3 |  |  | 0.77 | 0.77 | $2962.52 |  |  | No |  |  |  | Long Term |  | $2275.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $38.08 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 712 | FICO II | 710 | Beacon 5 | 700 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 762 | FICO II | 770 | Beacon 5 | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223949741 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $2098.86 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2098.86 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $31920.00 |  |  | XXXX | $160.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 785 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 785 | FICO II | 785 | Beacon 5 | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 74.700% | [Redacted] |  |  | 74.700% | [Redacted] |  | 74.700% |  |  |  |  |  |  |  |  |
| 223949743 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3200.00 | Third Party Rental Source | $2266.06 |  | 0.000000 | 0.71 |  |  | 1.41 | 1.41 | $2266.06 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $93.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 17.45 |  | US Citizen | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 746 | Fair Isaac (VER. 2) | 738 | Beacon 5 | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 56.818% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223949745 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6000.00 | Third Party Rental Source | $5763.93 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $5763.93 |  |  | No |  |  |  | Long Term |  | $6000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $237300.00 |  |  | XXXX | $188.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 744 | Fair Isaac (VER. 2) | 734 | Beacon 5 | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223950032 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $6459.19 |  | 0.349840 |  |  |  |  |  | $6459.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $138.34 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | Permanent Resident Alien | Permanent Resident Alien | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | [Redacted] | 796 | Fair Isaac (VER. 2) | 784 | Beacon 5 | 761 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 799 | Fair Isaac (VER. 2) | 797 | Beacon 5 | 805 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223950195 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5353.86 |  | 0.365618 |  |  |  |  |  | $5353.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $92.85 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 19.47 | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 738 | FICO II | 762 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223951044 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6000.00 | Third Party Rental Source | $5912.32 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $5912.32 |  |  | No |  |  |  | Long Term |  | $6000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $128.42 | Level 4-Stated/Verified as defined | No | 1 | 11 | No |  | No | Experienced Investor | 17.05 |  | US Citizen | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 811 | Fair Isaac (VER. 2) | 802 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | Very Good |  |  |  |  |  |  |  |  |  | 58.333% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223951084 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $9371.29 |  | 0.378038 |  |  |  |  |  | $9371.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $454.79 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  |  |  | US Citizen | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 798 | Fair Isaac (VER. 2) | 739 | Beacon 5 | 748 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 815 | Fair Isaac (VER. 2) | 771 | Beacon 5 | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223952240 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1850.00 | Third Party Rental Source | $1553.00 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $1553.00 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $138.42 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 792 | FICO II | 786 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223952243 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2150.00 | Third Party Rental Source | $2138.46 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2138.46 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $2525.00 | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32500.00 |  |  | XXXX | $113.61 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 2.14 |  | US Citizen | 708 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 708 | FICO II | 708 | Beacon 5 | 705 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223953017 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3900.00 | Third Party Rental Source | $1325.22 |  | 0.000000 | 0.34 |  |  | 2.94 | 2.94 | $1325.22 |  |  | No |  |  |  | Long Term |  | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $101200.00 |  |  | XXXX | $288.58 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor | 1.96 | US Citizen | US Citizen | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 762 | Fair Isaac (VER. 2) | 778 | Beacon 5 | 777 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 761 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 17.361% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223953027 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4525.00 | Third Party Rental Source | $5696.96 |  | 0.000000 | 1.26 |  |  | 0.79 | 0.79 | $5696.96 |  |  | No |  |  |  | Long Term |  | $4525.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $95000.00 |  |  | XXXX | $442.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 787 | FICO II | 801 | Beacon 5 | 809 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 768 | FICO II | 761 | Beacon 5 | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223953180 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $1657.09 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $1657.09 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $174.08 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 816 | FICO II | 780 | Beacon 5 | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223953657 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1625.00 | Third Party Rental Source | $1473.50 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1473.50 |  |  | No |  |  |  | Long Term |  | $1625.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $110.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 787 | Fair Isaac (VER. 2) | 797 | Beacon 5 | 792 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 65.000% | [Redacted] |  | 65.000% |  |  |  |  |  |  |  |  |
| 223953679 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Rent on Existing Lease | $1431.63 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1431.63 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1500.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23900.00 |  |  | XXXX | $125.92 | Level 1-Not Stated/Not Verified | No | 1 | 7 | No |  | No | Experienced Investor | 0.88 |  | US Citizen | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 734 | Fair Isaac (VER. 2) | 714 | Beacon 5 | 736 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 78.571% | [Redacted] |  |  | 95.930% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223953842 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3260.85 |  | 0.391391 |  |  |  |  |  | $3260.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $233.58 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 5-Stated/Verified as defined | Classic | XXXX | 824 | Fair Isaac (VER. 2) | 803 | Beacon 5 | 798 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223954085 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3400.00 | Third Party Rental Source | $3352.63 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3352.63 |  |  | No |  |  |  | Long Term |  | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $142767.80 |  |  | XXXX | $100.00 | Level 1-Not Stated/Not Verified | No | 1 | 3 | Yes |  | Yes | Experienced Investor |  |  | Foreign National | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] | 732 | FICO II | 753 | Beacon 5 | 692 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223954100 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2300.00 | Third Party Rental Source | $2220.88 |  | 0.000000 | 0.97 |  |  | 1.04 | 1.04 | $2220.88 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $41.77 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 723 | FICO II | 735 | Beacon 5 | 708 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 72.695% | [Redacted] |  | 72.695% |  |  |  |  |  |  |  |  |
| 223954516 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $2154.36 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2154.36 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $2400.00 |  |  | XXXX | $69.53 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 773 | Fair Isaac (VER. 2) | 757 | Beacon 5 | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223955522 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $2327.83 |  | 0.000000 | 1.33 |  |  | 0.75 | 0.75 | $2327.83 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $69.17 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor |  | US Citizen |  | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 704 | Fair Isaac (VER. 2) | 726 | Beacon 5 | 712 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223955526 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4200.00 | Third Party Rental Source | $3198.74 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $3198.74 |  |  | No |  |  |  | Long Term |  | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $206.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes |  | Yes | First-Time Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223955532 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1100.00 | Rent on Existing Lease | $958.79 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $958.79 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1100.00 | $1150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $115.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 736 | Fair Isaac (VER. 2) | 771 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 73.378% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223955536 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4000.00 | Third Party Rental Source | $3016.77 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $3016.77 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $163.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 668 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 683 | FICO II | 658 | Beacon 5 | 668 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223955538 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1400.00 | Rent on Existing Lease | $1018.24 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1018.24 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1400.00 | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $119.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 1.17 |  | US Citizen | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 693 | Fair Isaac (VER. 2) | 706 | Beacon 5 | 703 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 309.091% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223956065 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4650.00 | Third Party Rental Source | $2921.46 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $2921.46 |  |  | No |  |  |  | Long Term |  | $1550.00 | No |  |  |  | Long Term |  | $1550.00 | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $213.83 | Level 4-Stated/Verified as defined | No | 1 | 7 | No | No |  | Experienced Investor |  | US Citizen |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 754 | FICO II | 767 | Beacon 5 | 773 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223957100 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5450.00 | Third Party Rental Source | $4562.81 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $4562.81 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $5500.00 | $5450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $232.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.92 |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Business Entity |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 786 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 72.928% | [Redacted] |  |  | 108.553% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223957101 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $2060.93 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $2060.93 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 |  |  | XXXX | $107.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 53.000% | [Redacted] |  |  | 53.000% | [Redacted] |  | 53.000% |  |  |  |  |  |  |  |  |
| 223958131 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1567.50 | Rent on Existing Lease | $1402.61 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $1402.61 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1567.50 | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $82.09 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 12.68 | US Citizen |  | 643 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 608 | FICO II | 643 | Beacon 5 | 664 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 33.708% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223958143 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2611.59 |  | 0.406582 |  |  |  |  |  | $2611.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $205.82 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 718 | Fair Isaac (VER. 2) | 718 | Beacon 5 | 690 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 770 | Fair Isaac (VER. 2) | 751 | Beacon 5 | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223958151 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2200.00 | Rent on Existing Lease | $1825.66 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1825.66 |  |  | Yes | XXXX | XXXX | 36 | Long Term | $2200.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $105.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 4.97 | Non-Permanent Resident Alien |  | 686 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 677 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 686 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 54.054% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223958266 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1198.18 |  | 0.160148 |  |  |  |  |  | $1198.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $76.17 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 1.16 | US Citizen |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 773 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223958313 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4186.66 | Multiple Sources | $4302.41 |  | 0.000000 | 1.03 |  |  | 0.97 | 0.97 | $4302.41 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $5233.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $112800.00 |  |  | XXXX | $214.25 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No | No | Experienced Investor | 0.68 | US Citizen | US Citizen | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 756 | Fair Isaac (VER. 2) | 730 | Beacon 5 | 738 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 773 | Fair Isaac (VER. 2) | 792 | Beacon 5 | 814 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223958314 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3200.00 | Multiple Sources | $2186.65 |  | 0.000000 | 0.68 |  |  | 1.46 | 1.46 | $2186.65 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $1400.00 | $1500.00 | Yes | XXXX | XXXX | 12 | Long Term | $2000.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $136.50 | Level 4-Stated/Verified as defined | No | 2 | 2 | No | No |  | Experienced Investor | 7.10 | US Citizen |  | 724 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 728 | FICO II | 724 | Beacon 5 | 716 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 58.763% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223958327 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1795.00 | Third Party Rental Source | $1545.19 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1545.19 |  |  | No |  |  |  | Long Term |  | $1795.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $52.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 775 | FICO II | 809 | Beacon 5 | 789 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223958507 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $1456.66 |  | 0.000000 | 0.56 |  |  | 1.78 | 1.78 | $1456.66 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $96.25 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 2.86 | US Citizen |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 728 | Fair Isaac (VER. 2) | 723 | Beacon 5 | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 31.068% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223961848 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2300.00 | Third Party Rental Source | $1362.14 |  | 0.000000 | 0.59 |  |  | 1.69 | 1.69 | $1362.14 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2418.00 | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $50.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor |  |  | US Citizen | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 746 | FICO II | 720 | Beacon 5 | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223961894 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1714.25 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $1714.25 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2400.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $55.31 | Level 2-Stated/Not Verified | No | 1 | 4 | No | No |  | Experienced Investor | 13.99 | US Citizen |  | 805 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 805 | Fair Isaac (VER. 2) | 806 | Beacon 5 | 792 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223962528 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2000.00 | Multiple Sources | $1679.80 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $1679.80 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $0.00 | $2000.00 | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $232800.00 |  |  | XXXX | $182.51 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 24.17 | US Citizen | Permanent Resident Alien | 644 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 676 | FICO II | 651 | Beacon 5 | 648 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 670 | FICO II | 644 | Beacon 5 | 644 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 26.050% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223962532 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3390.00 | Third Party Rental Source | $2128.69 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $2128.69 |  |  | Yes | XXXX | XXXX | 13 | Long Term | $900.00 | $800.00 | Yes | XXXX | XXXX | 13 | Long Term | $900.00 | $800.00 | Yes | XXXX | XXXX | 13 | Long Term | $975.00 | $895.00 | Yes | XXXX | XXXX | 24 | Long Term | $975.00 | $895.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $162.33 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  | No | Experienced Investor |  |  | US Citizen | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 720 | FICO II | 713 | Beacon 5 | 729 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223962533 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1800.00 | Third Party Rental Source | $1476.36 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $1476.36 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22600.00 |  |  | XXXX | $307.00 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 1.31 | US Citizen |  | 633 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 634 | Fair Isaac (VER. 2) | 633 | Beacon 5 | 618 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223962534 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1800.00 | Third Party Rental Source | $1741.61 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $1741.61 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $134.51 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | First-Time Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 74.100% | [Redacted] |  | 74.100% |  |  |  |  |  |  |  |  |
| 223962686 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $8500.00 | Rent on Existing Lease | $8024.79 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $8024.79 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $8500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $439.54 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  | 776 | Beacon 5 | 793 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223962754 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3675.76 |  | 0.421667 |  |  |  |  |  | $3675.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $158.75 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 784 | FICO II | 788 | Beacon 5 | 781 | FICO Risk Score Classic 04 | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 694 | FICO II | 771 | Beacon 5 | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223963486 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1750.00 | Rent on Existing Lease | $929.38 |  | 0.000000 | 0.53 |  |  | 1.88 | 1.88 | $929.38 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $1750.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $13900.00 |  |  | XXXX | $50.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 12.91 | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 762 | FICO II | 752 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 38.462% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223963524 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4215.00 | Multiple Sources | $2402.72 |  | 0.000000 | 0.57 |  |  | 1.75 | 1.75 | $2402.72 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $995.00 | $1075.00 | Yes | XXXX | XXXX | 12 | Long Term | $1350.00 | $1075.00 | No |  |  |  | Long Term |  | $1075.00 | Yes | XXXX | XXXX | 12 | Long Term | $1070.00 | $1075.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41000.00 |  |  | XXXX | $242.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 772 | FICO II | 772 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223963569 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $7000.00 | Rent on Existing Lease | $6947.11 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $6947.11 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $7000.00 | $7600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $181.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 4.03 | US Citizen |  | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 766 | Fair Isaac (VER. 2) | 766 | Beacon 5 | 735 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 68.976% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223963578 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6150.00 | Rent on Existing Lease | $5222.88 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $5222.88 |  |  | Yes | XXXX | XXXX | 18 | Long Term | $1800.00 | $1800.00 | Yes | XXXX | XXXX | 18 | Long Term | $1850.00 | $1850.00 | Yes | XXXX | XXXX | 24 | Long Term | $2500.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $166.83 | Level 4-Stated/Verified as defined | No | 1 | 15 | No |  | No | Experienced Investor | 0.64 |  | US Citizen | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 760 | FICO II | 791 | Beacon 5 | 804 | FICO Risk Score Classic 04 | Individual |  |  | 12 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 735 | FICO II | 789 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 100.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223963581 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $2072.95 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $2072.95 |  |  | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $124.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 789 | Fair Isaac (VER. 2) | 805 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223963629 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3965.00 | Multiple Sources | $2402.72 |  | 0.000000 | 0.61 |  |  | 1.65 | 1.65 | $2402.72 |  |  | Yes | XXXX | XXXX | 14 | Long Term | $1000.00 | $1075.00 | Yes | XXXX | XXXX | 12 | Long Term | $895.00 | $1075.00 | No |  |  |  | Long Term |  | $1075.00 | Yes | XXXX | XXXX | 12 | Long Term | $995.00 | $1075.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $242.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 772 | FICO II | 772 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223963632 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3479.30 |  | 0.141250 |  |  |  |  |  | $3479.30 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $208.33 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 745 | Fair Isaac (VER. 2) | 752 | Beacon 5 | 748 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 803 | Fair Isaac (VER. 2) | 785 | Beacon 5 | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223971959 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $1566.14 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $1566.14 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 |  |  | XXXX | $52.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223971981 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3600.00 | Third Party Rental Source | $2893.77 |  | 0.000000 | 0.8 |  |  | 1.24 | 1.24 | $2893.77 |  |  | No |  |  |  | Long Term |  | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $71.92 | Level 1-Not Stated/Not Verified | No | 2 | 4 | No |  | No | Experienced Investor |  |  | Permanent Resident Alien | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 789 | Fair Isaac (VER. 2) | 809 | Beacon 5 | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223971996 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5400.00 | Third Party Rental Source | $1725.18 |  | 0.000000 | 0.32 |  |  | 3.13 | 3.13 | $1725.18 |  |  | No |  |  |  | Long Term |  | $5400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 |  |  | XXXX | $388.58 | Level 4-Stated/Verified as defined | No | 2 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 716 | FICO II | 726 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 24.615% | [Redacted] |  |  | 24.615% | [Redacted] |  | 24.615% |  |  |  |  |  |  |  |  |
| 223973599 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $1944.02 |  | 0.000000 | 0.88 |  |  | 1.13 | 1.13 | $1944.02 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $107.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | Yes | Yes |  | Experienced Investor |  | Foreign National |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 53.000% | [Redacted] |  |  | 53.000% | [Redacted] |  | 53.000% |  |  |  |  |  |  |  |  |
| 223973606 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1432.46 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $1432.46 |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $53.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 755 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 755 | Fair Isaac (VER. 2) | 780 | Beacon 5 | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223973609 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2150.00 | Third Party Rental Source | $2058.72 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2058.72 |  |  | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $107.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | Yes | Yes |  | Experienced Investor |  | Foreign National |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 53.000% | [Redacted] |  |  | 53.000% | [Redacted] |  | 53.000% |  |  |  |  |  |  |  |  |
| 223973952 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2100.00 | Rent on Existing Lease | $2099.69 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2099.69 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $2100.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $72.17 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 4.80 | US Citizen |  | 691 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 691 | Fair Isaac (VER. 2) | 639 | Beacon 5 | 693 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 63.342% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223974028 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3250.00 | Third Party Rental Source | $4287.34 |  | 0.000000 | 1.32 |  |  | 0.76 | 0.76 | $4287.34 |  |  | No |  |  |  | Long Term |  | $3250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37500.00 |  |  | XXXX | $262.00 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 708 |  |  |  |  | 0 | 0 | 0 | 1 | 1 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 708 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 684 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223974729 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1487.02 |  | 0.000000 | 0.87 |  |  | 1.14 | 1.14 | $1487.02 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $60.08 | Level 1-Not Stated/Not Verified | No | 1 | 21 | No |  | No | Experienced Investor |  |  | US Citizen | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 15 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 743 | Fair Isaac (VER. 2) | 757 | Beacon 5 | 779 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223974736 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1200.00 | Third Party Rental Source | $1409.21 |  | 0.000000 | 1.17 |  |  | 0.85 | 0.85 | $1409.21 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1500.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $14000.00 |  |  | XXXX | $38.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 2.71 |  | US Citizen | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 754 | FICO II | 730 | Beacon 5 | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 71.842% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223975453 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Third Party Rental Source | $1459.59 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $1459.59 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $1700.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $26.58 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 745 | FICO II | 779 | Beacon 5 | 782 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223977276 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4600.00 | Third Party Rental Source | $5609.50 |  | 0.000000 | 1.22 |  |  | 0.82 | 0.82 | $5609.50 |  |  | No |  |  |  | Long Term |  | $4600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $186.42 | Level 3-Stated/Partially Verified | No | 1 | 1 | Yes | Yes |  | First-Time Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223977299 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2417.58 | Rent on Existing Lease | $1791.06 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1791.06 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2417.58 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $67.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 45.06 | US Citizen |  | 755 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 748 | Fair Isaac (VER. 2) | 755 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 47.393% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977302 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2275.00 | Rent on Existing Lease | $1815.00 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $1815.00 |  |  | Yes | XXXX | XXXX | 18 | Long Term | $2275.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $374.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 15.66 | US Citizen | US Citizen | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 615 | Fair Isaac (VER. 2) | 702 | FICO Classic V5 Facta | 664 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 727 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 710 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 50.000% | [Redacted] |  |  | 191.463% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977313 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3046.66 | Multiple Sources | $2886.59 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2886.59 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $3808.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $264.08 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 764 | Fair Isaac (VER. 2) | 718 | Beacon 5 | 707 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223977314 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1800.00 | Rent on Existing Lease | $1746.92 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $1746.92 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1800.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27957.00 |  |  | XXXX | $138.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 18.37 | US Citizen |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 747 | Fair Isaac (VER. 2) | 709 | Beacon 5 | 736 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.556% | [Redacted] |  |  | 206.500% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977336 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2588.27 |  | 0.499844 |  |  |  |  |  | $2588.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $150.42 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 815 | FICO II | 803 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977342 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2963.19 |  | 0.157783 |  |  |  |  |  | $2963.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $74.25 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | Fair Isaac (VER. 2) | 785 | Beacon 5 | 784 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 771 | Fair Isaac (VER. 2) | 787 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977861 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1250.00 | Rent on Existing Lease | $1120.93 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $1120.93 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1250.00 | $950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $122.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 0.53 |  | US Citizen | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 755 | Fair Isaac (VER. 2) | 786 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 143.684% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977863 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1598.65 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1598.65 |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $146.92 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor | 1.35 |  | US Citizen | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | FICO II | 782 | Beacon 5 | 788 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 754 | FICO II | 763 | Beacon 5 | 761 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977865 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2173.68 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2173.68 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $2600.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $122.49 | Level 4-Stated/Verified as defined | No | 2 | 3 | No |  | No | Experienced Investor | 1.33 |  | US Citizen | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 788 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 787 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 816 | Fair Isaac (VER. 2) | 811 | Beacon 5 | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 74.975% | [Redacted] |  |  | 151.825% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223977867 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $15353.34 | Multiple Sources | $14986.80 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $14986.80 |  |  | No |  |  |  | Short Term | $19191.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $893.21 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 716 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 690 | FICO II | 718 | Beacon 5 | 716 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223978345 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1833.82 | Rent on Existing Lease | $1760.17 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $1760.17 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1833.82 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $97.67 | Level 4-Stated/Verified as defined | No | 2 | 2 | No |  | No | Experienced Investor | 6.58 |  | US Citizen | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 763 | FICO II | 763 | Beacon 5 | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 71.698% | [Redacted] |  |  | 144.049% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223978347 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6440.00 | Third Party Rental Source | $5345.92 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $5345.92 |  |  | No |  |  |  | Long Term |  | $5040.00 | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $326.05 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 762 | Fair Isaac (VER. 2) | 777 | Beacon 5 | 789 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 52.456% | [Redacted] |  |  | 50.959% | [Redacted] |  | 50.959% |  |  |  |  |  |  |  |  |
| 223978349 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2300.00 | Rent on Existing Lease | $1593.52 |  | 0.000000 | 0.69 |  |  | 1.44 | 1.44 | $1593.52 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $1100.00 | $1200.00 | Yes | XXXX | XXXX | 12 | Long Term | $1200.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $80.50 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 2.69 | US Citizen |  | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 750 | Fair Isaac (VER. 2) | 783 | Beacon 5 | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 64.338% | [Redacted] |  |  | 79.545% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223978977 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4200.00 | Third Party Rental Source | $3261.94 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $3261.94 |  |  | No |  |  |  | Long Term |  | $2500.00 | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $184.97 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 781 | Fair Isaac (VER. 2) | 800 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223978981 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $3040.00 | Multiple Sources | $2436.83 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $2436.83 |  |  | No |  |  |  | Short Term | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXXX | $91.88 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  |  | Experienced Investor |  |  |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 678 | Fair Isaac (VER. 2) | 750 | Beacon 5 | 718 | FICO Risk Score Classic 04 | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223979140 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5600.00 | Third Party Rental Source | $3163.85 |  | 0.000000 | 0.56 |  |  | 1.77 | 1.77 | $3163.85 |  |  | No |  |  |  | Long Term |  | $2800.00 | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $61400.00 |  |  | XXXX | $274.87 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  | No | Experienced Investor |  |  | US Citizen | 824 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 824 | Fair Isaac (VER. 2) | 816 | Beacon 5 | 850 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 35.294% | [Redacted] |  |  | 35.294% | [Redacted] |  | 35.294% |  |  |  |  |  |  |  |  |
| 223979143 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2930.00 | Third Party Rental Source | $1844.74 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $1844.74 |  |  | No |  |  |  | Long Term |  | $2930.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 |  |  | XXXX | $92.08 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  | No | Experienced Investor | 0.64 |  | US Citizen | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 780 | FICO II | 774 | Beacon 5 | 771 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 62.368% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223979162 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2150.00 | Third Party Rental Source | $2059.12 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2059.12 |  |  | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $107.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | Yes | Yes |  | Experienced Investor |  | Foreign National |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 53.000% | [Redacted] |  |  | 53.000% | [Redacted] |  | 53.000% |  |  |  |  |  |  |  |  |
| 223979440 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $2586.66 | Multiple Sources | $1938.37 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $1938.37 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $3233.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $59000.00 |  |  | XXXX | $92.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 717 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 724 | Fair Isaac (VER. 2) | 694 | Beacon 5 | 717 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 655 | FICO II | 653 | Beacon 5 | 653 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 64.886% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223979726 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1472.19 |  | 0.486225 |  |  |  |  |  | $1472.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $48.75 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 803 | FICO II | 777 | Beacon 5 | 767 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 804 | FICO II | 777 | Beacon 5 | 765 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223979730 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4099.71 |  | 0.174742 |  |  |  |  |  | $4099.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $11.75 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 789 | FICO II | 767 | Beacon 5 | 777 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 815 | FICO II | 775 | Beacon 5 | 776 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223980100 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $7349.32 |  | 0.457367 |  |  |  |  |  | $7349.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $117.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 812 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 837 | FICO II | 809 | Beacon 5 | 812 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223980101 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $13750.00 | Third Party Rental Source | $9051.32 |  | 0.000000 | 0.66 |  |  | 1.52 | 1.52 | $9051.32 |  |  | No |  |  |  | Long Term |  | $13750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $202.18 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 799 | Fair Isaac (VER. 2) | 783 | Beacon 5 | 749 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 786 | Fair Isaac (VER. 2) | 754 | Beacon 5 | 759 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223980174 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1800.00 | Third Party Rental Source | $1663.70 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $1663.70 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $1900.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $79.67 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  | No | Experienced Investor | 1.35 |  | US Citizen | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | FICO II | 782 | Beacon 5 | 788 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 754 | FICO II | 763 | Beacon 5 | 761 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 65.217% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223982589 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2100.00 | Rent on Existing Lease | $1973.44 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $1973.44 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1100.00 | $1250.00 | Yes | XXXX | XXXX | 12 | Long Term | $1000.00 | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $77000.00 |  |  | XXXX | $199.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 19.93 | US Citizen |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 808 | Fair Isaac (VER. 2) | 779 | Beacon 5 | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 54.487% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223982590 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6600.00 | Third Party Rental Source | $5429.51 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $5429.51 |  |  | Yes | XXXX | XXXX | 14 | Long Term | $1750.00 | $1550.00 | Yes | XXXX | XXXX | 14 | Long Term | $1750.00 | $1550.00 | Yes | XXXX | XXXX | 14 | Long Term | $1750.00 | $1750.00 | Yes | XXXX | XXXX | 14 | Long Term | $1750.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $529.42 | Level 4-Stated/Verified as defined | No | 1 | 25 | No | No |  | Experienced Investor | 5.90 | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 755 | Fair Isaac (VER. 2) | 736 | Beacon 5 | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 49.020% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223982591 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1800.00 | Third Party Rental Source | $1799.46 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1799.46 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23400.00 |  |  | XXXX | $131.24 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  | No | Experienced Investor | 2.62 |  | US Citizen | 684 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 9 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 667 | Fair Isaac (VER. 2) | 684 | Beacon 5 | 726 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223982595 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $2205.17 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $2205.17 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $134.08 | Level 4-Stated/Verified as defined | No | 1 | 7 | No | No |  | Experienced Investor |  | US Citizen |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 712 | FICO II | 729 | Beacon 5 | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 63.414% | [Redacted] |  |  | 63.414% | [Redacted] |  | 63.414% |  |  |  |  |  |  |  |  |
| 223982598 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2786.10 |  | 0.372106 |  |  |  |  |  | $2786.10 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $132.68 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 754 | Fair Isaac (VER. 2) | 745 | Beacon 5 | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223982724 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1470.00 | Third Party Rental Source | $1935.47 |  | 0.000000 | 1.32 |  |  | 0.76 | 0.76 | $1935.47 |  |  | No |  |  |  | Long Term |  | $1470.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30600.00 |  |  | XXXX | $120.17 | Level 2-Stated/Not Verified | No | 1 | 11 | No | No |  | Experienced Investor |  | US Citizen |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 800 | FICO II | 756 | Beacon 5 | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223982728 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $2171.40 |  | 0.000000 | 0.84 |  |  | 1.20 | 1.2 | $2171.40 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45780.00 |  |  | XXXX | $133.58 | Level 4-Stated/Verified as defined | No | 1 | 7 | No | No |  | Experienced Investor |  | US Citizen |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 712 | FICO II | 729 | Beacon 5 | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 62.962% | [Redacted] |  |  | 62.962% | [Redacted] |  | 62.962% |  |  |  |  |  |  |  |  |
| 223982754 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3763.26 |  | 0.396474 |  |  |  |  |  | $3763.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $306.93 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 8.53 | US Citizen |  | 661 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 710 | Fair Isaac (VER. 2) | 660 | Beacon 5 | 661 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223982908 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $25000.00 | Third Party Rental Source | $16705.80 |  | 0.000000 | 0.67 |  |  | 1.50 | 1.5 | $16705.80 |  |  | No |  |  |  | Long Term |  | $25000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $430.31 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  | No | Experienced Investor | 5.35 |  | Non-Permanent Resident Alien | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 695 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 711 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 27.929% | [Redacted] |  |  | 45.518% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223983047 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $9220.14 |  | 0.212041 |  |  |  |  |  | $9220.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $1041.89 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 771 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223983055 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $9489.65 |  | 0.476126 |  |  |  |  |  | $9489.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $148.17 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 765 | Fair Isaac (VER. 2) | 773 | Beacon 5 | 755 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 826 | Fair Isaac (VER. 2) | 816 | Beacon 5 | 801 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 771 | Fair Isaac (VER. 2) | 785 | Beacon 5 | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223983069 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3113.34 | Multiple Sources | $2539.19 |  | 0.000000 | 0.82 |  |  | 1.23 | 1.23 | $2539.19 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | $3891.67 | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $88700.00 |  |  | XXXX | $111.83 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor |  |  | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 804 | FICO II | 815 | Beacon 5 | 809 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 633 | FICO II | 671 | Beacon 5 | 642 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 79.452% | [Redacted] |  |  | 79.452% | [Redacted] |  | 79.452% |  |  |  |  |  |  |  |  |
| 223986866 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1973.00 |  | 0.234714 |  |  |  |  |  | $1973.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $48.33 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 813 | Fair Isaac (VER. 2) | 803 | Beacon 5 | 802 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 829 | Fair Isaac (VER. 2) | 808 | Beacon 5 | 796 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223986869 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1767.97 |  | 0.105665 |  |  |  |  |  | $1767.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $76.00 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  |  |  | Non-Permanent Resident Alien | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 1 | Non-Permanent Resident Alien | Passport | Brazil | Level 4-Stated/Verified as defined | [Redacted] |  |  | 701 | Beacon 5 | 718 | FICO Risk Score Classic 04 | Individual |  |  | 1 | Non-Permanent Resident Alien | Passport | Brazil | Level 4-Stated/Verified as defined | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223987375 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5000.00 | Third Party Rental Source | $3757.95 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $3757.95 |  |  | No |  |  |  | Long Term |  | $2500.00 | Yes | XXXX | XXXX | 36 | Long Term | $2950.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $197.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor | 2.75 | US Citizen | US Citizen | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 720 | Fair Isaac (VER. 2) | 718 | Beacon 5 | 718 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 726 | Fair Isaac (VER. 2) | 766 | Beacon 5 | 714 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223987419 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1302.58 |  | 0.440486 |  |  |  |  |  | $1302.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $122.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 7.54 | US Citizen |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 760 | Fair Isaac (VER. 2) |  |  | 726 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223987492 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4300.00 | Third Party Rental Source | $4180.65 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $4180.65 |  |  | No |  |  |  | Long Term |  | $4300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $96000.00 |  |  | XXXX | $105.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 773 | FICO II | 780 | Beacon 5 | 735 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223987494 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2700.00 | Third Party Rental Source | $2218.22 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $2218.22 |  |  | Yes | XXXX | XXXX | 60 | Long Term | $2500.00 | $1200.00 | Yes | XXXX | XXXX | 24 | Long Term | $1600.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26000.00 |  |  | XXXX | $154.58 | Level 1-Not Stated/Not Verified | No | 1 | 5 | No |  | No | Experienced Investor | 0.94 |  | US Citizen | 661 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 665 | Fair Isaac (VER. 2) | 656 | FICO Classic V5 Facta | 661 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 88.136% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223987632 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $2980.81 | Third Party Rental Source | $1072.82 |  | 0.000000 | 0.36 |  |  | 2.78 | 2.78 | $1072.82 |  |  | No |  |  |  | Short Term |  | $2980.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $241.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 707 | Beacon 5 | 702 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 55.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223989351 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1404.75 |  | 0.162879 |  |  |  |  |  | $1404.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $153.50 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 806 | FICO II | 780 | Beacon 5 | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223992836 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $14000.00 | Third Party Rental Source | $17332.07 |  | 0.000000 | 1.24 |  |  | 0.81 | 0.81 | $17332.07 |  |  | No |  |  |  | Long Term |  | $14000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $837.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | Experienced Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 66.667% | [Redacted] |  |  | 66.667% | [Redacted] |  | 66.667% |  |  |  |  |  |  |  |  |
| 223992855 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3483.03 |  | 0.504784 |  |  |  |  |  | $3483.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $139.17 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  | 795 | Beacon 5 | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223992859 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1990.00 | Third Party Rental Source | $1470.85 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1470.85 |  |  | No |  |  |  | Long Term |  | $1990.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $49.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 1.03 | US Citizen |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 767 | Fair Isaac (VER. 2) | 765 | Beacon 5 | 768 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 56.818% | [Redacted] |  |  | 62.189% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223992862 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2109.90 |  | 0.451716 |  |  |  |  |  | $2109.90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $185.87 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 788 | FICO II | 799 | Beacon 5 | 791 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 805 | FICO II | 782 | Beacon 5 | 771 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223992874 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3157.99 |  | 0.000000 |  |  |  |  |  | $3157.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $156.17 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  |  |  | US Citizen | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 3 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual | Retired |  |  | 16 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 742 | Fair Isaac (VER. 2) | 742 | Beacon 5 | 752 | FICO Risk Score Classic 04 | Individual |  |  | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 761 | Fair Isaac (VER. 2) | 764 | Beacon 5 | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223992963 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3900.00 | Third Party Rental Source | $3243.04 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $3243.04 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4100.00 | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $38.50 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  | No | Experienced Investor | 0.61 |  | US Citizen | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 821 | FICO II | 797 | Beacon 5 | 759 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 118.925% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223992975 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3250.00 | Third Party Rental Source | $2849.08 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2849.08 |  |  | No |  |  |  | Long Term |  | $3250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $65.48 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor |  |  | US Citizen | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 772 | FICO II | 761 | Beacon 5 | 718 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 768 | FICO II | 746 | Beacon 5 | 748 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223993092 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1900.00 | Third Party Rental Source | $1812.95 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1812.95 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2250.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $48.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 811 | FICO II | 813 | Beacon 5 | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 60.000% | [Redacted] |  | 60.000% |  |  |  |  |  |  |  |  |
| 223993143 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3000.00 | Third Party Rental Source | $1795.07 |  | 0.000000 | 0.6 |  |  | 1.67 | 1.67 | $1795.07 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $62500.00 |  |  | XXXX | $170.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 774 | FICO II | 754 | Beacon 5 | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 55.000% | [Redacted] |  |  | 55.000% | [Redacted] |  | 55.000% |  |  |  |  |  |  |  |  |
| 223993164 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4404.98 |  | 0.355426 |  |  |  |  |  | $4404.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $305.66 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 2.06 | US Citizen | US Citizen | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 761 | FICO II | 783 | Beacon 5 | 746 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 685 | FICO II | 669 | Beacon 5 | 670 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223993411 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3250.00 | Third Party Rental Source | $3247.58 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3247.58 |  |  | No |  |  |  | Long Term |  | $3250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $232.86 | Level 4-Stated/Verified as defined | No | 1 | 24 | No |  | No | Experienced Investor | 0.26 |  | US Citizen | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 774 | Fair Isaac (VER. 2) | 775 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 78.947% | [Redacted] |  |  | 145.349% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223993488 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $2192.08 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2192.08 |  |  | Yes | XXXX | XXXX | 6 | Long Term | $2225.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $87.49 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 2.59 |  | US Citizen | 644 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 642 | Fair Isaac (VER. 2) | 644 | Beacon 5 | 662 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223993491 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2850.00 | Rent on Existing Lease | $2274.21 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $2274.21 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $2850.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $66.92 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 22.18 | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 742 | FICO II | 733 | Beacon 5 | 671 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223993509 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5200.00 | Third Party Rental Source | $3872.31 |  | 0.000000 | 0.74 |  |  | 1.34 | 1.34 | $3872.31 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $2350.00 | $2200.00 | Yes | XXXX | XXXX | 23 | Long Term | $3150.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $43000.00 |  |  | XXXX | $260.85 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 8.94 |  | US Citizen | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 711 | Fair Isaac (VER. 2) | 735 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223993511 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1350.00 | Third Party Rental Source | $1284.52 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1284.52 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1725.00 | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25555.00 |  |  | XXXX | $112.37 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.74 | US Citizen |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 791 | FICO II | 718 | Beacon 5 | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 74.752% | [Redacted] |  |  | 222.059% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223993526 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $17900.00 | Third Party Rental Source | $13283.13 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $13283.13 |  |  | No |  |  |  | Long Term |  | $4800.00 | No |  |  |  | Long Term |  | $4200.00 | No |  |  |  | Long Term |  | $4400.00 | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $923.78 | Level 1-Not Stated/Not Verified | No | 1 | 22 | No |  | No | Experienced Investor |  |  | US Citizen | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 22 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 787 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 730 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 55.556% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223994060 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2900.00 | Third Party Rental Source | $3006.52 |  | 0.000000 | 1.04 |  |  | 0.96 | 0.96 | $3006.52 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $394.71 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 3.46 |  |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 25.50% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 821 | Fair Isaac (VER. 2) | 775 | Beacon 5 | 776 | FICO Risk Score Classic 04 | 3 |  |  | 25.50% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 803 | Fair Isaac (VER. 2) | 791 | Beacon 5 | 801 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 27.473% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223994063 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2383.89 |  | 0.345523 |  |  |  |  |  | $2383.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $38.75 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 787 | Fair Isaac (VER. 2) | 764 | Beacon 5 | 738 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 808 | Fair Isaac (VER. 2) | 808 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223994064 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2498.76 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2498.76 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33000.00 |  |  | XXXX | $85.22 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | Experienced Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 69.943% | [Redacted] |  |  | 69.943% | [Redacted] |  | 69.943% |  |  |  |  |  |  |  |  |
| 223994101 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $4013.33 | Third Party Rental Source | $4007.91 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $4007.91 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $4013.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $170.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 6.05 |  |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 821 | Fair Isaac (VER. 2) | 775 | Beacon 5 | 776 | FICO Risk Score Classic 04 | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 63.067% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223994139 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3456.78 |  | 0.129585 |  |  |  |  |  | $3456.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $126.54 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 37.03 | US Citizen | US Citizen | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 766 | Fair Isaac (VER. 2) | 785 | Beacon 5 | 796 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 820 | Fair Isaac (VER. 2) | 779 | Beacon 5 | 779 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223994169 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $2551.15 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2551.15 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3000.00 | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20000.00 |  |  | XXXX | $32.75 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 2.01 | US Citizen |  | 696 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 726 | FICO II | 696 | Beacon 5 | 654 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223994281 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $30000.00 | Third Party Rental Source | $24212.64 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $24212.64 |  |  | No |  |  |  | Long Term |  | $30000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $1732.56 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 755 | Fair Isaac (VER. 2) | 776 | Beacon 5 | 763 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 738 | Fair Isaac (VER. 2) | 725 | Beacon 5 | 744 | FICO Risk Score Classic 04 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 60.000% | [Redacted] |  | 60.000% |  |  |  |  |  |  |  |  |
| 223995065 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3400.00 | Third Party Rental Source | $2911.69 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $2911.69 |  |  | No |  |  |  | Long Term |  | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $217.83 | Level 4-Stated/Verified as defined | No | 1 | 24 | No |  | No | Experienced Investor | 0.24 |  | US Citizen | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 7 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 774 | Fair Isaac (VER. 2) | 775 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.236% | [Redacted] |  |  | 133.121% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223995230 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3100.00 | Third Party Rental Source | $2772.00 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $2772.00 |  |  | No |  |  |  | Long Term |  | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38000.00 |  |  | XXXX | $77.81 | Level 1-Not Stated/Not Verified | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual |  |  | 1 | Foreign National |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 65.000% | [Redacted] |  | 65.000% |  |  |  |  |  |  |  |  |
| 223995231 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1800.00 | Third Party Rental Source | $1699.40 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $1699.40 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29400.00 |  |  | XXXX | $134.77 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | Experienced Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223995237 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4700.00 | Third Party Rental Source | $4579.24 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $4579.24 |  |  | No |  |  |  | Long Term |  | $4700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $232.75 | Level 1-Not Stated/Not Verified | No | 1 | 2 | Yes |  | Yes | Experienced Investor |  |  | Foreign National | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] | 732 | FICO II | 753 | Beacon 5 | 692 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223995239 | [Redacted] | [Redacted] |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $36193.52 |  | 0.418066 |  |  |  |  |  | $36193.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $1639.93 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 2.84 | US Citizen | US Citizen | 684 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 691 | Fair Isaac (VER. 2) | 685 | Beacon 5 | 705 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 684 | Fair Isaac (VER. 2) | 676 | Beacon 5 | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223995240 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1625.14 |  | 0.000000 | 0.96 |  |  | 1.05 | 1.05 | $1625.14 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20550.00 |  |  | XXXX | $77.24 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 795 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 12 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 807 | Fair Isaac (VER. 2) | 795 | Beacon 5 | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223995249 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1950.00 | Multiple Sources | $1710.56 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $1710.56 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1142.00 | $1100.00 | Yes | XXXX | XXXX | 12 | Long Term | $850.00 | $950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $57300.00 |  |  | XXXX | $129.90 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 3.93 | US Citizen |  | 671 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 692 | FICO II | 671 | Beacon 5 | 669 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 69.565% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223995253 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1310.01 |  | 0.000000 | 0.66 |  |  | 1.53 | 1.53 | $1310.01 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22500.00 |  |  | XXXX | $152.58 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 792 | FICO II | 774 | Beacon 5 | 768 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 570 | FICO II | 545 | Beacon 5 | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223995431 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $2181.08 |  | 0.000000 | 1.09 |  |  | 0.92 | 0.92 | $2181.08 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $116.09 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | Non-Permanent Resident Alien | 781 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 769 | FICO II | 781 | Beacon 5 | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 223995659 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6800.00 | Third Party Rental Source | $4074.12 |  | 0.000000 | 0.6 |  |  | 1.67 | 1.67 | $4074.12 |  |  | No |  |  |  | Long Term |  | $2300.00 | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $314.73 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 795 | FICO II | 789 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 223995813 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2525.00 | Third Party Rental Source | $2511.16 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2511.16 |  |  | No |  |  |  | Long Term |  | $2525.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $80.67 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  | No | Experienced Investor |  |  | US Citizen | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 785 | FICO II | 789 | Beacon 5 | 798 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 787 | FICO II | 777 | Beacon 5 | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 223998167 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2434.31 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $2434.31 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 |  |  | XXXX | $155.86 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 705 | FICO II | 678 | Beacon 5 | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 60.630% | [Redacted] |  |  | 60.630% | [Redacted] |  | 60.630% |  |  |  |  |  |  |  |  |
| 223999945 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4000.00 | Third Party Rental Source | $3594.94 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $3594.94 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44200.00 |  |  | XXXX | $524.75 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 806 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 839 | FICO II | 806 | Beacon 5 | 788 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 840 | FICO II | 806 | Beacon 5 | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 59.854% | [Redacted] |  |  | 59.854% | [Redacted] |  | 59.854% |  |  |  |  |  |  |  |  |
| 223999960 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2875.84 |  | 0.241860 |  |  |  |  |  | $2875.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $189.25 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 2.29 | US Citizen | US Citizen | 699 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 680 | FICO II | 699 | Beacon 5 | 702 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 724 | FICO II | 740 | Beacon 5 | 706 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 223999964 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2300.00 | Rent on Existing Lease | $2026.44 |  | 0.000000 | 0.88 |  |  | 1.13 | 1.13 | $2026.44 |  |  | Yes | XXXX | XXXX | 13 | Long Term | $2300.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29400.00 |  |  | XXXX | $119.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 4.07 | Permanent Resident Alien |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 707 | FICO II | 711 | Beacon 5 | 664 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224000037 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4200.00 | Third Party Rental Source | $4153.47 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4153.47 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4500.00 | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $96800.00 |  |  | XXXX | $212.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 695 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 731 | Fair Isaac (VER. 2) | 695 | Beacon 5 | 654 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 224000038 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $9250.00 | Multiple Sources | $6030.01 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | $6030.01 |  |  | Yes | XXXX | XXXX | 11 | Long Term | $2700.00 | $2600.00 | Yes | XXXX | XXXX | 12 | Long Term | $4800.00 | $5000.00 | Yes | XXXX | XXXX | 12 | Long Term | $1850.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $1033.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 6.74 | US Citizen |  | 807 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 807 | Fair Isaac (VER. 2) | 802 | Beacon 5 | 823 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 25.677% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224000043 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3500.00 | Rent on Existing Lease | $2184.04 |  | 0.000000 | 0.62 |  |  | 1.60 | 1.6 | $2184.04 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $3500.00 | $4060.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $140140.00 |  |  | XXXX | $173.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 35.11 | US Citizen |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 793 | Fair Isaac (VER. 2) | 794 | Beacon 5 | 600 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 27.778% | [Redacted] |  |  | 337.838% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224000052 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5950.00 | Multiple Sources | $4419.25 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $4419.25 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1500.00 | $1400.00 | Yes | XXXX | XXXX | 12 | Long Term | $1100.00 | $1400.00 | Yes | XXXX | XXXX | 12 | Long Term | $2100.00 | $1800.00 | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $465.25 | Level 2-Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor | 6.54 |  | US Citizen | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 2-Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | [Redacted] | 718 | Fair Isaac (VER. 2) | 741 | FICO Classic V5 Facta | 694 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 74.495% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224004153 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $100000.00 | Third Party Rental Source | $14348.56 |  | 0.000000 | 0.14 |  |  | 6.97 | 6.97 | $14348.56 |  |  | No |  |  |  | Long Term |  | $100000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $1568.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 8.06 |  | US Citizen | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 811 | FICO II | 792 | Beacon 5 | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 6.466% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224012513 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2195.50 |  | 0.372074 |  |  |  |  |  | $2195.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $46.50 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 789 | FICO II | 794 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224013510 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5300.00 | Rent on Existing Lease | $4865.37 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $4865.37 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $2800.00 | Yes | XXXX | XXXX | 12 | Long Term | $2800.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $59500.00 |  |  | XXXX | $151.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.13 | Permanent Resident Alien |  | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 746 | Fair Isaac (VER. 2) | 758 | FICO Classic V5 Facta | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 68.452% | [Redacted] |  |  | 88.462% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224013516 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $956.07 |  | 0.454188 |  |  |  |  |  | $956.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $122.75 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  |  |  | US Citizen | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 790 | Fair Isaac (VER. 2) | 768 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224013536 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3000.00 | Third Party Rental Source | $3944.55 |  | 0.000000 | 1.31 |  |  | 0.76 | 0.76 | $3944.55 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $65.98 | Level 1-Not Stated/Not Verified | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224020234 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2400.00 | Rent on Existing Lease | $2354.20 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2354.20 |  |  | Yes | XXXX | XXXX | 36 | Long Term | $2400.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $192.87 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 28.19 | US Citizen |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 738 | FICO II | 684 | Beacon 5 | 706 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 69.974% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224020236 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $8083.00 | Third Party Rental Source | $8005.14 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $8005.14 |  |  | No |  |  |  | Long Term |  | $8083.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $54000.00 |  |  | XXXX | $99.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | FICO II | 748 | Beacon 5 | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224021929 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3300.00 | Third Party Rental Source | $2322.12 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $2322.12 |  |  | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $222.92 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 0.17 | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 778 | FICO II | 758 | Beacon 5 | 759 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 27.397% | [Redacted] |  |  | 27.586% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224021934 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1817.24 |  | 0.434089 |  |  |  |  |  | $1817.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $134.25 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 1.65 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | Non-Permanent Resident Alien | Employment Authorization |  | Level 4-Stated/Verified as defined | [Redacted] | 770 | FICO II | 756 | Beacon 5 | 785 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 1 | Non-Permanent Resident Alien | Passport |  | Level 1-Not Stated/Not Verified | [Redacted] | 761 | FICO II | 706 | Beacon 5 | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224021940 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3215.62 |  | 0.209379 |  |  |  |  |  | $3215.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $218.38 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 1.26 | US Citizen |  | 812 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 824 | Fair Isaac (VER. 2) | 812 | Beacon 5 | 796 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224021941 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2525.00 | Third Party Rental Source | $2511.16 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2511.16 |  |  | No |  |  |  | Long Term |  | $2525.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40300.00 |  |  | XXXX | $80.67 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  | No | Experienced Investor |  |  | US Citizen | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 785 | FICO II | 789 | Beacon 5 | 798 | FICO Risk Score Classic 04 | Individual |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 787 | FICO II | 777 | Beacon 5 | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224027570 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2700.00 | Third Party Rental Source | $2057.71 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $2057.71 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2766.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $164.58 | Level 1-Not Stated/Not Verified | No | 1 | 13 | No |  | No | Experienced Investor | 0.67 |  | US Citizen | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 748 | FICO II | 729 | Beacon 5 | 733 | FICO Risk Score Classic 04 | Individual |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 791 | FICO II | 762 | Beacon 5 | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 132.103% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224027576 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $1627.53 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $1627.53 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $207.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 0.93 |  | Permanent Resident Alien | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 710 | FICO II | 699 | Beacon 5 | 701 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 100.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224027596 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2657.37 |  | 0.370668 |  |  |  |  |  | $2657.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $98.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 1.05 | Non-Permanent Resident Alien |  | 795 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | Non-Permanent Resident Alien | Passport | Guatemala | Level 4-Stated/Verified as defined | [Redacted] | 822 | FICO II |  |  | 795 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224027756 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2300.00 | Third Party Rental Source | $2308.08 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2308.08 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 |  |  | XXXX | $121.11 | Level 3-Stated/Partially Verified | No | 1 | 1 | Yes |  | Yes | First-Time Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | XXXX |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 224033909 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2525.00 | Third Party Rental Source | $2509.66 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2509.66 |  |  | No |  |  |  | Long Term |  | $2525.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $39500.00 |  |  | XXXX | $79.17 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  | No | Experienced Investor |  |  | US Citizen | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 785 | FICO II | 789 | Beacon 5 | 798 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 787 | FICO II | 777 | Beacon 5 | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224034437 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2300.00 | Third Party Rental Source | $1124.58 |  | 0.000000 | 0.49 |  |  | 2.05 | 2.05 | $1124.58 |  |  | No |  |  |  | Long Term |  | $800.00 | No |  |  |  | Long Term |  | $800.00 | No |  |  |  | Long Term |  | $700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $168.92 | Level 1-Not Stated/Not Verified | No | 1 | 1 | Yes |  | Yes | Experienced Investor |  |  | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224034441 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1981.89 |  | 0.494117 |  |  |  |  |  | $1981.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $73.50 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | FICO II | 793 | Beacon 5 | 796 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 809 | FICO II | 801 | Beacon 5 | 812 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224039023 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $15000.00 | Third Party Rental Source | $12897.67 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $12897.67 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $9000.00 | $7500.00 | No |  |  |  | Long Term |  | $7500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $428.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 3.79 |  | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 809 | Fair Isaac (VER. 2) | 801 | Beacon 5 | 810 | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224039087 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3250.00 | Multiple Sources | $2465.31 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $2465.31 |  |  | Yes | XXXX | XXXX | 13 | Long Term | $1500.00 | $1575.00 | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $194.27 | Level 3-Stated/Partially Verified | No | 1 | 6 | No | No | No | Experienced Investor | 0.58 | US Citizen | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | [Redacted] | 676 | Fair Isaac (VER. 2) | 680 | Beacon 5 | 685 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 815 | Fair Isaac (VER. 2) | 809 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 79.520% | [Redacted] |  |  | 106.027% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224039107 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4289.52 |  | 0.207953 |  |  |  |  |  | $4289.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $207.08 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 19.76 | US Citizen | US Citizen | 692 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 692 | Fair Isaac (VER. 2) | 683 | Beacon 5 | 695 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 802 | Fair Isaac (VER. 2) | 775 | Beacon 5 | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224039499 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $1686.30 |  | 0.000000 | 0.67 |  |  | 1.48 | 1.48 | $1686.30 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $106.92 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 15.01 |  | US Citizen | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 731 | Fair Isaac (VER. 2) | 706 | Beacon 5 | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 28.037% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224046870 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4100.00 | Third Party Rental Source | $2045.47 |  | 0.000000 | 0.5 |  |  | 2.00 | 2 | $2045.47 |  |  | Yes | XXXX | XXXX | 1 | Long Term | $2200.00 | $2200.00 | Yes | XXXX | XXXX | 1 | Long Term | $1920.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $261.07 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 8.32 | US Citizen |  | 659 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 659 | Fair Isaac (VER. 2) | 663 | Beacon 5 | 589 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 28.571% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224046890 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1780.00 | Rent on Existing Lease | $1302.75 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1302.75 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1780.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23460.00 |  |  | XXXX | $263.33 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 1.87 |  | US Citizen | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 702 | Fair Isaac (VER. 2) | 759 | FICO Classic V5 Facta | 729 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224046901 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1157.52 |  | 0.000000 | 0.68 |  |  | 1.47 | 1.47 | $1157.52 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1780.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $19390.00 |  |  | XXXX | $209.92 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 2.04 |  | US Citizen | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 702 | Fair Isaac (VER. 2) | 759 | FICO Classic V5 Facta | 729 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 525.000% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224048107 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2980.82 |  | 0.191119 |  |  |  |  |  | $2980.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $53.78 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 784 | FICO II | 749 | Beacon 5 | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224048215 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4000.00 | Third Party Rental Source | $3466.13 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $3466.13 |  |  | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $141.53 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor | 0.98 |  | US Citizen | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 643 | FICO II | 746 | Beacon 5 | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224058137 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4700.00 | Third Party Rental Source | $4589.25 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $4589.25 |  |  | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $193.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 815 | FICO II | 808 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224063740 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1903.43 |  | 0.430888 |  |  |  |  |  | $1903.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $215.97 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 802 | FICO II | 801 | Beacon 5 | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224065014 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1353.78 |  | 0.000000 | 0.8 |  |  | 1.26 | 1.26 | $1353.78 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $39.42 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No |  | Experienced Investor |  | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 759 | FICO II | 763 | Beacon 5 | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 224065021 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6700.00 | Third Party Rental Source | $6677.26 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $6677.26 |  |  | No |  |  |  | Long Term |  | $6700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $77.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 714 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 714 | FICO II | 702 | Beacon 5 | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224065274 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1900.00 | Third Party Rental Source | $1548.01 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | $1548.01 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $116.69 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.38 |  |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 723 | Fair Isaac (VER. 2) | 722 | Beacon 5 | 721 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 123.214% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224065302 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5500.00 | Rent on Existing Lease | $3817.86 |  | 0.000000 | 0.69 |  |  | 1.44 | 1.44 | $3817.86 |  |  | Yes | XXXX | XXXX | 26 | Long Term | $2000.00 | $2000.00 | Yes | XXXX | XXXX | 28 | Long Term | $2000.00 | $2000.00 | Yes | XXXX | XXXX | 14 | Long Term | $1500.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $146400.00 |  |  | XXXX | $213.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 727 | Fair Isaac (VER. 2) | 738 | Beacon 5 | 727 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 224065318 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $10000.00 | Rent on Existing Lease | $9955.06 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $9955.06 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $10000.00 | $10300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8000.00 |  |  | XXXX | $71.09 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.99 | US Citizen |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 804 | FICO II | 763 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 66.225% | [Redacted] |  |  | 84.104% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224066185 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $8645.00 | Third Party Rental Source | $7780.41 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $7780.41 |  |  | Yes | XXXX | XXXX | 9 | Long Term | $8650.00 | $8645.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $140.67 | Level 4-Stated/Verified as defined | No | 1 | 18 | No |  | No | Experienced Investor | 1.20 |  | US Citizen | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 721 | Fair Isaac (VER. 2) | 699 | Beacon 5 | 707 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 134.542% | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224083352 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1693.92 |  | 0.402552 |  |  |  |  |  | $1693.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $31.42 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | Non-Permanent Resident Alien | Employment Authorization, Passport | Colombia | Level 4-Stated/Verified as defined | [Redacted] | 723 | FICO II | 692 | Beacon 5 | 718 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224083931 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3350.00 | Rent on Existing Lease | $2109.81 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $2109.81 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $1750.00 | $1700.00 | Yes | XXXX | XXXX | 16 | Long Term | $1600.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $132.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 783 | FICO II | 733 | Beacon 5 | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | [Redacted] |  |  | 60.000% | [Redacted] |  | 60.000% |  |  |  |  |  |  |  |  |
| 224101465 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2329.16 |  | 0.000000 |  |  |  |  |  | $2329.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $70.68 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 820 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 832 | Fair Isaac (VER. 2) | 809 | Beacon 5 | 820 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224115602 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $2990.31 |  | 0.000000 | 1.15 |  |  | 0.87 | 0.87 | $2990.31 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $39.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 758 | FICO II | 770 | Beacon 5 | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224118154 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3025.00 | Rent on Existing Lease | $3246.41 |  | 0.000000 | 1.07 |  |  | 0.93 | 0.93 | $3246.41 |  |  | Yes | XXXX | XXXX | 72 | Long Term | $3025.00 | $3800.00 | No |  |  |  | Long Term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $456.63 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 28.86 | US Citizen |  | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 766 | Fair Isaac (VER. 2) | 769 | FICO Classic V5 Facta | 731 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 45.455% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224133239 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2169.64 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2169.64 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2600.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $64.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 0.72 |  | US Citizen | 721 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | [Redacted] | 721 | Fair Isaac (VER. 2) | 719 | Beacon 5 | 727 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 77.538% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224136456 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2116.00 | Third Party Rental Source | $2112.20 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2112.20 |  |  | No |  |  |  | Long Term |  | $2116.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $133.32 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 728 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 740 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | [Redacted] |  |  | 80.000% | [Redacted] |  | 80.000% |  |  |  |  |  |  |  |  |
| 224138532 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5740.47 |  | 0.478634 |  |  |  |  |  | $5740.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $165.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 776 | Fair Isaac (VER. 2) | 774 | Beacon 5 | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224144059 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6555.60 | Multiple Sources | $5663.99 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $5663.99 |  |  | Yes | XXXX | XXXX | 35 | Long Term | $1550.00 | $1550.00 | Yes | XXXX | XXXX | 12 | Long Term | $2000.00 | $1650.00 | Yes | XXXX | XXXX | 12 | Long Term | $1650.00 | $1446.00 | Yes | XXXX | XXXX | 12 | Long Term | $1600.00 | $1533.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $520.17 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  | No | Experienced Investor |  |  | US Citizen | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 762 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | [Redacted] |  |  | 75.000% | [Redacted] |  | 75.000% |  |  |  |  |  |  |  |  |
| 224159579 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $10000.00 | Third Party Rental Source | $4834.56 |  | 0.000000 | 0.48 |  |  | 2.07 | 2.07 | $4834.56 |  |  | No |  |  |  | Long Term |  | $10000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXXX | $239.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 1 | Foreign National |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 22.222% | [Redacted] |  |  | 22.222% | [Redacted] |  | 22.222% |  |  |  |  |  |  |  |  |
| 224161543 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $1833.92 |  | 0.000000 | 0.71 |  |  | 1.42 | 1.42 | $1833.92 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $163.50 | Level 1-Not Stated/Not Verified | No | 1 | 13 | No |  | No | Experienced Investor | 0.42 |  | US Citizen | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 748 | FICO II | 729 | Beacon 5 | 733 | FICO Risk Score Classic 04 | Individual |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 791 | FICO II | 762 | Beacon 5 | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 74.983% | [Redacted] |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |
| 224162486 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1200.00 | Rent on Existing Lease | $1198.69 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1198.69 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1200.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $43.38 | Level 1-Not Stated/Not Verified | No | 1 | 5 | No |  | No | Experienced Investor |  |  | US Citizen | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 786 | Fair Isaac (VER. 2) | 750 | Beacon 5 | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 65.359% | [Redacted] |  |  | 65.359% | [Redacted] |  | 65.359% |  |  |  |  |  |  |  |  |
| 224190198 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2000.00 | Rent on Existing Lease | $1905.49 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1905.49 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2000.00 | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $73.41 | Level 1-Not Stated/Not Verified | No | 1 | 13 | No |  | No | Experienced Investor |  |  | Permanent Resident Alien | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 6 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | [Redacted] | 748 | FICO II | 703 | Beacon 5 | 727 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 769 | FICO II | 752 | Beacon 5 | 737 | FICO Risk Score Classic 04 | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 224197179 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5610.00 | Multiple Sources | $5605.95 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $5605.95 |  |  | Yes | XXXX | XXXX | 24 | Long Term | $6000.00 | $5100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $72500.00 |  |  | XXXX | $189.14 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  | No | Experienced Investor |  |  | Permanent Resident Alien | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | [Redacted] | 748 | FICO II | 703 | Beacon 5 | 727 | FICO Risk Score Classic 04 | Individual |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXXX | 769 | FICO II | 752 | Beacon 5 | 737 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 70.000% | [Redacted] |  |  | 70.000% | [Redacted] |  | 70.000% |  |  |  |  |  |  |  |  |
| 224213519 | [Redacted] | [Redacted] |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1423.74 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $1423.74 |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1900.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | $120.08 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 0.82 |  | US Citizen | 658 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | [Redacted] |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | [Redacted] | 650 | FICO II | 661 | Beacon 5 | 658 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | [Redacted] |  |  | 75.890% | [Redacted] |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

[Cross 2025-H8 Mortgage Trust ABS-15G](cross-abs15g.htm)

**Exhibit 99.1 - Schedule 7**

![](situs-logo.jpg)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 10/23/2025 9:27:25 AM** | **Run Date - 10/23/2025 9:27:25 AM** | **Run Date - 10/23/2025 9:27:25 AM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 222952816 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223312311 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223312311 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223312311 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223312377 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223312377 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223368071 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223368071 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223368071 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223377213 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223377213 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223377213 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223393773 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223393773 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223393773 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223464737 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223479684 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223479684 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223479684 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223479684 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223479684 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223479727 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223479727 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223479727 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223493792 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223493792 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223493792 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223512426 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223512426 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223512426 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223518897 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223518897 | [Redacted] | [Redacted] |  |  | Representative FICO | 793 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223518897 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223538274 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223538274 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223539254 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223539254 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223539254 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223620571 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223620571 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223620571 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223620571 | [Redacted] | [Redacted] |  |  | Representative FICO | 788 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223620571 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223620801 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223620868 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223620868 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223620868 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223620868 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance transaction |
| 223620870 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223620870 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Not an ARM loan. |
| 223622130 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223622130 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223622130 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223623141 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223623141 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223623148 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223623148 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223623172 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223623172 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223623172 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223623172 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223626350 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223626350 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223626350 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223626350 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223626350 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223626350 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223637133 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223637133 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223637133 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223663040 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223663040 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223663040 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Not an ARM loan. |
| 223694961 | [Redacted] | [Redacted] |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| 223694961 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223694961 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223708745 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223712556 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223712556 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223713787 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223713787 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223713787 | [Redacted] | [Redacted] |  |  | Representative FICO | 742 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223713787 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223713787 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223717290 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223717392 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223717392 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223717392 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223718775 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223718775 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223718777 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223718976 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223718976 | [Redacted] | [Redacted] |  |  | Representative FICO | 715 | 740 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223722502 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223722502 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223722502 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223722502 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223722502 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223725613 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223725613 | [Redacted] | [Redacted] |  |  | Representative FICO | 709 | 817 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223725613 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223725613 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223726558 | [Redacted] | [Redacted] |  |  | Original Term | 30 | 360 | Verified | Bid Tape Field Value reflects years instead of months for term of loan. |
| 223726558 | [Redacted] | [Redacted] |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 223726558 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Housing Ratio | 10.835 | 10.83522 | Verified | Field value reflects source document |
| 223727559 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223727559 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223728852 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223728852 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223728852 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223728852 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223728852 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223729054 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223729092 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223729098 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223729098 | [Redacted] | [Redacted] |  |  | Representative FICO | 688 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223732242 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223732242 | [Redacted] | [Redacted] |  |  | Representative FICO | 679 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223733595 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223733595 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223733595 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223733855 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223733855 | [Redacted] | [Redacted] |  |  | Representative FICO | 634 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223733855 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223734971 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223734971 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223734971 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223742911 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223742911 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223742911 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223743179 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223743195 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223743195 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223743886 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223743886 | [Redacted] | [Redacted] |  |  | Representative FICO | 775 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223743886 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223743886 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223745500 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223759143 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223759425 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223759425 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223759443 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223759443 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223759863 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223759863 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223759863 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223764521 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223764521 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223764521 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223764523 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223764523 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223764809 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223764809 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223764809 | [Redacted] | [Redacted] |  |  | Property Type | Multi Family | Mixed Use | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223764809 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223764809 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223764903 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223764903 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223764903 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223764903 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223764903 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223768579 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223768579 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223768579 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223770002 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223770002 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223770002 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223770002 | [Redacted] | [Redacted] |  |  | Original LTV | 75 | 70.21277 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223770002 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223770002 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223770015 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223770015 | [Redacted] | [Redacted] |  |  | Representative FICO | 819 | 824 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223770015 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No Margin |
| 223770015 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223770110 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223774973 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223774973 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223774973 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223778619 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223778619 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223778619 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223778619 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223778850 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223778850 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223778850 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223778850 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223778850 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223782833 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223782904 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223782904 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223782904 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223782904 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223785111 | [Redacted] | [Redacted] |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| 223785111 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223785111 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223785111 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid tape field value not provided |
| 223785433 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223789377 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223789377 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223789377 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223789627 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223789627 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223789627 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223789627 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223789755 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223789755 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223789755 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223789762 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223789762 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223789762 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223790368 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223790368 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223790368 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223791316 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223791324 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223791657 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223791657 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223791657 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223791657 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223791702 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223791702 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223791703 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223791703 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223791712 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223791989 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223791989 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223791989 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223791989 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223792078 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792078 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792078 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223792078 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792078 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223795372 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795372 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223795372 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223795373 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795373 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223795403 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223795403 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223795403 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795403 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223795421 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795421 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223795439 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795455 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223795455 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795455 | [Redacted] | [Redacted] |  |  | Representative FICO | 715 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223795455 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223795455 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223795455 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223795466 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223795466 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223795466 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795468 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795468 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223795468 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223795569 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223795569 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223795569 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795569 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223795569 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223795621 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223795621 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223795621 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Same data in alternate format |
| 223795621 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid tape field value not provided |
| 223795621 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Same data in alternate format |
| 223796804 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223796822 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223796822 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223796822 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223796824 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223796824 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223796849 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223796849 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223796849 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223796849 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223797030 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223797094 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223797094 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223797094 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223797094 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223797100 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223797100 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223797100 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223797107 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223797107 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223797107 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223797121 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223797121 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223807725 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223807726 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223808288 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223810778 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223810778 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223810778 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223810778 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223810779 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223810779 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223810779 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223810779 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223810782 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223810782 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223810782 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223810782 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223811000 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223811000 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No Margin |
| 223811000 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223811000 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223811018 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223811018 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223811018 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223811018 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223811260 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223811260 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223811260 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223811270 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223811270 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223811270 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223811277 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223811277 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223811277 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223811659 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223811659 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223811659 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223811659 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813650 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813650 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813650 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813650 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Updated from appraisal |
| 223813650 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223813664 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813673 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813673 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223813673 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813674 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813707 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813707 | [Redacted] | [Redacted] |  |  | Representative FICO | 717 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223813707 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813707 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223813707 | [Redacted] | [Redacted] |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 223813707 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813879 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813880 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813880 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813880 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813880 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813880 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223813899 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813899 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813905 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813906 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813906 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223813906 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813906 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223813910 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813945 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813945 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223813945 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813945 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223813945 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223816680 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223816680 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223816680 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223816680 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223830665 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223830665 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223830665 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223836737 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223836737 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | out of scope |
| 223836756 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223836756 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223836756 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223837755 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223837755 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223837758 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223837758 | [Redacted] | [Redacted] |  |  | Representative FICO | 716 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223837758 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223837811 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223851635 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223851635 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223852127 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223852127 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223852221 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223852221 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223852221 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223852532 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223852532 | [Redacted] | [Redacted] |  |  | Property Type | Manufactured Housing | Mobile Home (Single-Wide) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223852532 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223852532 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid tape value was not provided. |
| 223852533 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223852533 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223852533 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
| 223852533 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223854844 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223854844 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223854844 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223854844 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223857405 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223857405 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223857405 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223857405 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223857489 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223858732 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223858732 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223858732 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223858732 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223858760 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223858763 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223858793 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223858793 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223858793 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223858793 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223858798 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223858798 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223858798 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223858812 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223858812 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223859019 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223859019 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223859019 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223859022 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223859022 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223859022 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223859022 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223859023 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223859023 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223859023 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223859023 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223859028 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223859028 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223859028 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223859029 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223859029 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223859029 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223859029 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223859029 | [Redacted] | [Redacted] |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 223859029 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223859096 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223859096 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223859096 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223859096 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223861710 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223861710 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223861710 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223861710 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223862285 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223862285 | [Redacted] | [Redacted] |  |  | Representative FICO | 774 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223862285 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223862285 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223862285 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223862288 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223862288 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223862288 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223862288 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223862290 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223862290 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223862290 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223862290 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223862290 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223862862 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223862862 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223862862 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223862862 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223862870 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223862870 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223862870 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223862870 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format used; not a true discrepancy |
| 223871887 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223871887 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223871887 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223871887 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223871887 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223871891 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223871891 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223871893 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223871893 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223871893 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223871893 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223871894 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223871894 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223872641 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872660 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872660 | [Redacted] | [Redacted] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223872660 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223872660 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223872661 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872661 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223872661 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223872663 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872663 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223872663 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223872728 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872728 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223872728 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223872737 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872737 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223872737 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Alternate format, not a true discrepancy |
| 223872738 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872738 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223872738 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223872749 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223872749 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223872749 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223872749 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223872749 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223872749 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223872749 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.27 | Verified | DSCR on UW worksheet matches field value at 1.27 |
| 223873960 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223873960 | [Redacted] | [Redacted] |  |  | Representative FICO | 768 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223873960 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223873960 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223873960 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223873963 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223873963 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | out of scope |
| 223873963 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 223873963 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223874313 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223874313 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223874313 | [Redacted] | [Redacted] |  |  | Representative FICO | 792 | 810 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223874313 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223874313 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223874313 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223874674 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 223874674 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223874674 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223874674 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223877134 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877134 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223877134 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.23 | 2.57 | Verified | Underwriter has considered market rent of $1,200 for DSCR calculation. Comparable rent schedule is $975.00. |
| 223877135 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877135 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223877135 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223877140 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223877140 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877140 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223877140 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223877140 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223877171 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877171 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223877171 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223877172 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877172 | [Redacted] | [Redacted] |  |  | Representative FICO | 737 | 746 | Verified | Mid score of the primary wage earner. |
| 223877175 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877175 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223877175 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223877179 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877179 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223877256 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223877256 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223877256 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877478 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877478 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223877478 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223877478 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223877479 | [Redacted] | [Redacted] |  |  | First Payment Date | 2025-10-01 | 2025-09-01 | Verified | Field Value reflects First Payment Date per the Note |
| 223877479 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877479 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223877479 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223877479 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.53 | 2.34 | Verified | Underwriter has considered the current rent of $1,700 for DSCR calculation. |
| 223877741 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877741 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223877779 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877779 | [Redacted] | [Redacted] |  |  | Representative FICO | 747 | 758 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223877779 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223877779 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223877786 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223877786 | [Redacted] | [Redacted] |  |  | Representative FICO | 752 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223877786 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223878007 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223878007 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223878007 | [Redacted] | [Redacted] |  |  | First Payment Date | 2025-10-01 | 2025-09-01 | Verified | Field Value reflects First Payment Date per the Note |
| 223878007 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878007 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223878012 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878012 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223878012 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223878016 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223878016 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223878016 | [Redacted] | [Redacted] |  |  | First Payment Date | 2025-10-01 | 2025-09-01 | Verified | Field Value reflects First Payment Date per the Note |
| 223878016 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878016 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223878017 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878046 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223878046 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223878046 | [Redacted] | [Redacted] |  |  | First Payment Date | 2025-10-01 | 2025-09-01 | Verified | Field Value reflects First Payment Date per the Note |
| 223878046 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878046 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223878048 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878048 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223878049 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878055 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878055 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223878055 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223878055 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223878065 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878065 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223878117 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878117 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223878117 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223878310 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223878310 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878314 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878314 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223878314 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223878316 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223878316 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223878316 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223878316 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223878317 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223879346 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223879346 | [Redacted] | [Redacted] |  |  | Representative FICO | 790 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223881307 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223881307 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881307 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881310 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881311 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881311 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223881435 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881435 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223881435 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223881437 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881437 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | out of scope |
| 223881441 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881441 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223881455 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881455 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223881455 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value not provided. |
| 223881462 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223881462 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223881462 | [Redacted] | [Redacted] |  |  | First Payment Date | 2025-10-01 | 2025-09-01 | Verified | Field Value reflects First Payment Date per the Note |
| 223881462 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881462 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223881462 | [Redacted] | [Redacted] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223881464 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881464 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223881464 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881464 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223881492 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881492 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223881492 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881492 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223881499 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881499 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Tape Value reflects Modification 'Margin' |
| 223881521 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881521 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881659 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223881659 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223881659 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881659 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223881943 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881943 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223881944 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881944 | [Redacted] | [Redacted] |  |  | Representative FICO | 808 | 805 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223881944 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223881944 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881952 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881952 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881978 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223881978 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881978 | [Redacted] | [Redacted] |  |  | Representative FICO | 716 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223881978 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223881978 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881978 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223881979 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223881979 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223881979 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223881979 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Correctly updated |
| 223882152 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223882152 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223882152 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223882152 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223882156 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223882156 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223882156 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223882250 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223882250 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223882250 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223882250 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223882250 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223883615 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223883615 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223883674 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223883674 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223883674 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223883674 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 6.014 | 10.02405 | Verified | Lender 1008 reflects lower income than calculated |
| 223883700 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223883700 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223883700 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223883700 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223883700 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223883700 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 35.402 | 27.36904 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223883700 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223887683 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887683 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223887683 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223887719 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223887719 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887719 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223887719 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223887719 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 133.857 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223887719 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223887719 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.81 | 1.54 | Verified | Lender used $22,500 for the qualifying rent instead of $15,000 market rent which is the lesser of the two.. |
| 223887904 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223887904 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 223887904 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887904 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223887904 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223887904 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223887905 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887905 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223887905 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid tape field value not provided |
| 223887905 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Unable to verify due to missing information |
| 223887905 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223887923 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887923 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223887925 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887925 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223887927 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887927 | [Redacted] | [Redacted] |  |  | Representative FICO | 779 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223887927 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223887927 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223887927 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 349.757 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223887928 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887928 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223887928 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223887928 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Housing Ratio | 48.893 | 47.82124 | Verified | Field value reflects source document |
| 223887928 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223887931 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887931 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223887931 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223887939 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223887939 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223887941 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223887941 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888345 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888345 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223888345 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223888346 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888346 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223888346 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223888348 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888348 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223888511 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223888511 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223888511 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888511 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223888511 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223888511 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223888511 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 104.013 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223888511 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223888512 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888512 | [Redacted] | [Redacted] |  |  | Representative FICO | 801 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223888512 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223888512 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223888512 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223888520 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223888520 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223888520 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888520 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223888520 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223888520 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223888520 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.01 | Verified | Field value reflects source document |
| 223888522 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888522 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223888522 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape field blank |
| 223888522 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223888536 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223888536 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223888536 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888536 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223888671 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888671 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 41.156 | 26.11417 | Verified | Subject property rental income is $12000 while lender has calculated as $1000, causing lower hit to DTI. |
| 223888804 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888804 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No margin |
| 223888805 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223888805 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223888805 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223888805 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223888805 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223889120 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223889120 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223889857 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223889857 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223889857 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223889857 | [Redacted] | [Redacted] |  |  | Representative FICO | 777 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223889857 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223889857 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223891691 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891691 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891707 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891707 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891708 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891708 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891723 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223891723 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891723 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223891723 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891723 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223891724 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891724 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891725 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891725 | [Redacted] | [Redacted] |  |  | Representative FICO | 769 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223891725 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891725 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223891725 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223891729 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891729 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223891733 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891733 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891733 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223891801 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891801 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891801 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223891827 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891827 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223891827 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223891978 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223891978 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223891978 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223891978 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223891978 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223891978 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223892321 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223892321 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223892321 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223892321 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223892321 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223892477 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223892477 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223892477 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Tape Value reflects Modification 'Margin' |
| 223900197 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900197 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900247 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900247 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223900249 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900249 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900249 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900249 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900252 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900252 | [Redacted] | [Redacted] |  |  | Representative FICO | 744 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223900260 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900260 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223900260 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900313 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900313 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900313 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900319 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900364 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900364 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900364 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900382 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900382 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900403 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900403 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223900403 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900403 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223900406 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900406 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900406 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900423 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900423 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900423 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900518 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900518 | [Redacted] | [Redacted] |  |  | Representative FICO | 691 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223900518 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223900518 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900518 | [Redacted] | [Redacted] |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223900859 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900859 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900859 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223900861 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900861 | [Redacted] | [Redacted] |  |  | Representative FICO | 770 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223900863 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900863 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223900864 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900866 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900866 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate. |
| 223900867 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900867 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900874 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900874 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223900874 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900878 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900878 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate |
| 223900878 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 49.945 | 27.36832 |  |  |
| 223900878 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223900945 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900945 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223900945 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900945 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223900947 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900947 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900951 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900951 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900951 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900951 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223900966 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223900966 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900966 | [Redacted] | [Redacted] |  |  | Representative FICO | 786 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223900966 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223900966 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223900985 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900985 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223900985 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223900985 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223901428 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223901428 | [Redacted] | [Redacted] |  |  | Representative FICO | 706 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223901428 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223901428 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223901994 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223901994 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223901994 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223901994 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223901999 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223901999 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223901999 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223902090 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223902090 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223902090 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223902090 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903458 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903458 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223903458 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223903458 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223903460 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903460 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223903460 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223903460 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903462 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903462 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903462 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903546 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903549 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903549 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903549 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 655.767 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223903550 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903550 | [Redacted] | [Redacted] |  |  | Representative FICO | 798 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223903551 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903551 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223903551 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903551 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903552 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903552 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903686 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903686 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223903686 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903686 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223903687 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903687 | [Redacted] | [Redacted] |  |  | Representative FICO | 774 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223903687 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 28.213 | 36.10165 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223903693 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903693 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903693 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223903693 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903693 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.14 | Verified | Field value reflects source document |
| 223903718 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903718 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903718 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903890 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223903890 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903890 | [Redacted] | [Redacted] |  |  | Representative FICO | 676 | 711 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223903890 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903890 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.02 | Verified | Underwriter has considered monthly taxes of $768.23 for DSCR calculation. |
| 223903891 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903898 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223903898 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223903898 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903898 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903898 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903899 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903899 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903899 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903899 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903900 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903900 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903900 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903905 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903905 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 21.034 | 25.76347 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223903906 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223903906 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223903906 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903913 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903913 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223903913 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903913 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903913 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223903921 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903921 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903921 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903921 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 656.866 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223903921 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903924 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903924 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223903924 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903924 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903924 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223903928 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223903928 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223903928 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223903928 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223903928 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223904145 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223904149 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223904149 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223904149 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223910254 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223910254 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223910601 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223910601 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223910601 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223910601 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223910601 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223910630 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223910630 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223910630 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223910749 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223911924 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223911924 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223911924 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223913221 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913221 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Tape Value reflects Modification 'Margin' |
| 223913227 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223913227 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913227 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223913227 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223913227 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 4831.2 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223913227 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.35 | Verified | Lender considered lowest rent to calculate the DSCR. |
| 223913229 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913231 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913234 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913234 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223913235 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913235 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223913235 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223913289 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913303 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913321 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913667 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223913667 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913667 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223913668 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913668 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 32.855 | 30.03556 | Verified | Lender used primary residence HOA of $756 in DTI on Primary and SP loan payment however the SP does not have an HOA fee. |
| 223913671 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913671 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223913671 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223913671 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security insrument document |
| 223913707 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913716 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223913716 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913716 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 0.81 | 0.93 | Verified | Underwriter has considered the other expenses of $352.80 for DSCR calculation. |
| 223913722 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913822 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913845 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223913845 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223913845 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223913845 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223914606 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223914606 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223914606 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223914617 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223914617 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223914617 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.17 | Verified | Due to rounding off. |
| 223915001 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915001 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223915001 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915001 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915382 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915382 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915382 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915382 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223915382 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223915383 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915383 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 223915383 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223915383 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223915383 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223915384 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915384 | [Redacted] | [Redacted] |  |  | Representative FICO | 741 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223915384 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223915384 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223915402 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915406 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915406 | [Redacted] | [Redacted] |  |  | Property Type | Multi Family | Mixed Use | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223915406 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.36 | Verified | PITIA: P&I $4,560.43, Taxes $594.67, Hazard $342.75 = $5,497.85. Used rent $10,500.00 / PITIA 5,497.85= 1.90 |
| 223915417 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915417 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915486 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915486 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915486 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.45 | Verified | Lender has used lower rental income $4,040 whereas market rent on 1025 is $4,800. Lease agreements are not located in the file. |
| 223915492 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915492 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915492 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915495 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915495 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915526 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915526 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915529 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915529 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915529 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915533 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915533 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915540 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915540 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915540 | [Redacted] | [Redacted] |  |  | Original LTV | 70 | 82.96296 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223915540 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915543 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915545 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915545 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915545 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915545 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915546 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915546 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915546 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915549 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915650 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915709 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915785 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915785 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915785 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915787 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915787 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223915787 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223915813 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915813 | [Redacted] | [Redacted] |  |  | Representative FICO | 790 | 816 | Verified | Primary earner FICO score considered as per Guideline. |
| 223915813 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed |
| 223915813 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915813 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915814 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223915814 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915814 | [Redacted] | [Redacted] |  |  | Representative FICO | 775 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223915820 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915820 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Tape Value reflects Modification 'Margin' |
| 223915821 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915821 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915821 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915823 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915823 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915823 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915833 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915834 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915834 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915834 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915834 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915869 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915869 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915869 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915869 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915950 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915950 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915950 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915953 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915953 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223915953 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915953 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915953 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915954 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915954 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915954 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915954 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915958 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915959 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915959 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223915959 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915959 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Verified from security instrument document |
| 223915961 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915961 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915961 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915964 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915969 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915969 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915969 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915982 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915982 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915982 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915982 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915989 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223915989 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223915989 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223915989 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223915991 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223916062 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223916062 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223916062 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223916082 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223916082 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223916082 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223916082 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223919371 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223919371 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223919371 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223919434 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223919434 | [Redacted] | [Redacted] |  |  | Representative FICO | 775 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223919434 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223919434 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223919434 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223921972 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223921972 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223922199 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922199 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223922199 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223922201 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922267 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922275 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922276 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922276 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223922276 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223922276 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223922307 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922307 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223922419 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922428 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922430 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922682 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223922682 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922683 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922683 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223922716 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922716 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 223922723 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922723 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223922725 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922725 | [Redacted] | [Redacted] |  |  | Representative FICO | 789 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223922725 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223922725 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223922725 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223922726 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922728 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922731 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922732 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223922732 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223922732 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922732 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223922732 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.20 | Verified | Due to Rounding |
| 223922733 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922737 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922738 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922738 | [Redacted] | [Redacted] |  |  | Representative FICO | 740 | 797 | Verified | Middle score of the primary income earner was used. |
| 223922740 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922741 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922742 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223922742 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922742 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.34 | 1.43 | Verified | DSCR on UW worksheet matches field value at 1.43 |
| 223922745 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922745 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 45.237 | 48.17744 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223922787 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922787 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 16.99 | 24.90864 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223922792 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922814 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922832 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922837 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922848 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922849 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223922849 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223922849 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922881 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223922881 | [Redacted] | [Redacted] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value reflects the Approval/AUS in file. |
| 223923956 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223923998 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223923998 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223924678 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223925684 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223925684 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 2.09 | 2.78 |  |  |
| 223925685 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223925685 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223925685 | [Redacted] | [Redacted] |  |  | Representative FICO | 741 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223925707 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223925712 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223925712 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No margin |
| 223925712 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223925712 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223925784 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223925784 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223925784 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223925784 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223925789 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223925790 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926402 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926402 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223926403 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926403 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223926403 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223926403 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 54.741 | 49.80211 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223926403 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223926404 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223926404 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926413 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926543 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223926543 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223926543 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926556 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223926556 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223926556 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926556 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223926556 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223926556 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223926569 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223926569 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223926569 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape Field Value not provided |
| 223928457 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223928461 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223928465 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223928465 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223928478 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223928478 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223928478 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223928480 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223930289 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223930289 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223932039 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932039 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932039 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932039 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223932039 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.29 | 1.37 | Verified | DSCR calculated as per provided subject property net rental income and PITIA. |
| 223932041 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932041 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223932041 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.47 | 1.54 | Verified | Field value reflects source document |
| 223932042 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932042 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932042 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932042 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223932048 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932048 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932048 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932048 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223932048 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223932048 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223932049 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932049 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932063 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932063 | [Redacted] | [Redacted] |  |  | Representative FICO | 690 | 720 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223932065 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932065 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223932067 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932071 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932071 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223932072 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932078 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932079 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932081 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932081 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223932091 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932092 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932097 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932097 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223932097 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932097 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223932097 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223932098 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932099 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932099 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223932099 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance transaction |
| 223932099 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 41.219 | 46.84588 | Verified | Correctly updated |
| 223932099 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223932102 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932102 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223932102 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223932102 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223932731 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223932731 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223932731 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223932731 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223933085 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223933085 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223933085 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223933085 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223933085 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223933165 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223933165 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223933165 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223933165 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223933933 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934005 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934011 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934013 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934013 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223934013 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223934013 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934013 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223934587 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934587 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223934592 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934592 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223934592 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934592 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223934603 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934603 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934603 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934603 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934603 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934603 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223934604 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934657 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934657 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934657 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934659 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934659 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934659 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223934661 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934661 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Tape Value reflects Modification 'Margin' |
| 223934664 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934668 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934691 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934691 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 16.329 | 12.58938 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223934692 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934692 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934692 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934695 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934695 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934695 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 223934697 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934697 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934698 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934698 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934700 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934700 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934701 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934701 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934701 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934701 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934703 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934704 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934704 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934705 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934705 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934705 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934705 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223934706 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934706 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223934707 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934707 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934707 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934707 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.33 | Verified | Field value reflects source document |
| 223934708 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934708 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223934708 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934708 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223934818 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934818 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934818 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934914 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934914 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934914 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934914 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223934925 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934925 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223934925 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223934925 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.08 | Verified | DSCR= $2,750.00/$2,535.52= 1.0845901432 , Due to Rounding |
| 223934944 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934944 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223934944 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223934949 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934995 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223934995 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Due to rounding off. |
| 223935000 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935016 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935017 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223935017 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935017 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | refinance file |
| 223935017 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | No DTI |
| 223935017 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223935021 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935021 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223935023 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935023 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223935023 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223935023 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.51 | 1.49 | Verified | Market rent: $3,440.00<br> PITIA: P&I $2,095.07, Taxes $105.00, Hazard $113.25= $2,313.32<br> Used lesser of $3,440.00/ $2,313.32= 1.48 |
| 223935024 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935029 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223935029 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223935029 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935029 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223935029 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223935031 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935031 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223935031 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.13 | Verified | DSCR on UW worksheet matches field value at 1.13 |
| 223935076 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223935076 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223935076 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223935076 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 43.9 | 39.89107 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223935076 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223935249 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223938848 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223938919 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223938919 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223938919 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223938919 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223938946 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223938950 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223938950 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223938950 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223938950 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223938950 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223939017 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223939017 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223939653 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223939653 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223939653 | [Redacted] | [Redacted] |  |  | Representative FICO | 763 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223939657 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223939707 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223939707 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223939707 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223939774 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223939774 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223939774 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223939814 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223939814 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223940035 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223940035 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 44.674 | 40.25259 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223940970 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223940970 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223940971 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223940971 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No Margin |
| 223940971 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223940981 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941043 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941043 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223941044 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941044 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941044 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223941044 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223941044 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223941060 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941062 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941062 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941062 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223941062 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223941063 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941066 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941066 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941068 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941072 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941072 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941110 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941110 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223941110 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223941111 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941111 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941111 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941111 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223941120 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941120 | [Redacted] | [Redacted] |  |  | Representative FICO | 665 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223941120 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223941120 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223941428 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941428 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941428 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941428 | [Redacted] | [Redacted] |  |  | Representative FICO | 788 | 806 | Verified | Used the highest middle score on the loan per guidelines |
| 223941428 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223941428 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223941443 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941443 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | DSCR on UW worksheet matches field value at 1.00 |
| 223941512 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941512 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941512 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223941512 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223941512 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 48.251 | 42.02792 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 223941512 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223941519 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941519 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223941593 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223941593 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941725 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223941725 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223941725 | [Redacted] | [Redacted] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 223942169 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223942169 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223942169 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223942317 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223942317 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223942435 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223942435 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223942435 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223942435 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223942440 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223942459 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223942459 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223942459 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223942459 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223942462 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223942489 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223942489 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223942489 | [Redacted] | [Redacted] |  |  | Refi Purpose | Cash-out | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223942489 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223943207 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223943534 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223943536 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223943544 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223943544 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223943544 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223943544 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223943544 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223943548 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223943548 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223944993 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945239 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945239 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945239 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 48.663 | 51.90767 | Verified | Lender HOI costs disclosed on CD are lower than policy amount in file. |
| 223945240 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945240 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223945241 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945241 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945241 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223945493 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945493 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945493 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223945493 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223945494 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945494 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945494 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223945521 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945521 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945521 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223945523 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945523 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223945523 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945523 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223945526 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945527 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945527 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Asset Qualifier Program, No DTI developed. |
| 223945531 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223945531 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223945531 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945531 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945531 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223945532 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945544 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945545 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945545 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223945545 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223945545 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 123.417 |  | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223945545 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.25 | Verified | Market rent: $7,000.00<br> PITIA: P&I $4,959.49, Taxes $309.18, Hazard $353.75= $5,622.42<br> Used lesser of $7,000.00/ $5,622.42= 1.24 |
| 223945546 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945546 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Loan is a fixed rate |
| 223945548 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945548 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Loan is a fixed rate |
| 223945549 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945549 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945549 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223945549 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.32 | Verified | Due to rounding off. |
| 223945580 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945580 | [Redacted] | [Redacted] |  |  | Representative FICO | 711 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223945580 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223945595 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945595 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed |
| 223945595 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223945595 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223945608 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945608 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223945805 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945812 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945812 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223945819 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223945821 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223945821 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946357 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946357 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223946357 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.06 | Verified | Field value reflects source document |
| 223946359 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946359 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946359 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946359 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223946362 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946362 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223946393 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946393 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946393 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946393 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223946567 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946567 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946567 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946567 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223946567 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223946683 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946683 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223946683 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223946683 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223946696 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946696 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223946696 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223946696 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223947125 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223947125 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223947125 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947125 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223947125 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223947125 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.52 | 1.70 | Verified | Field value reflects source document |
| 223947127 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947127 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223947127 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223947362 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947362 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223947362 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223947362 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223947366 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947366 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223947368 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223947368 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223947368 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947368 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223947368 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223947400 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947400 | [Redacted] | [Redacted] |  |  | Representative FICO | 795 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223947400 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223947400 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223947400 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223947411 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947411 | [Redacted] | [Redacted] |  |  | Representative FICO | 706 | 723 | Verified | Per lender guides, highest mid score on DSCR loan. |
| 223947411 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223947454 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 223947454 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223947454 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947465 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223947465 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Alternate format, not a true discrepancy |
| 223947465 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Updated as Per Appraisal Report. |
| 223947465 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223949569 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949569 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949606 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949607 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949607 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223949607 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949611 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949611 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Loan is a fixed rate |
| 223949612 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949612 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949612 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949614 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949617 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949620 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949620 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 28.238 | 31.27643 | Verified | Due to qualification method. |
| 223949621 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949621 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Alternate format, not a true discrepancy |
| 223949621 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949621 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Alternate format, not a true discrepancy |
| 223949621 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223949635 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949635 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949637 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949637 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949637 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949639 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949639 | [Redacted] | [Redacted] |  |  | Representative FICO | 741 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223949639 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949639 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949639 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223949640 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223949640 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223949640 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949640 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949640 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949642 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223949642 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223949642 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949642 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949642 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223949644 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949644 | [Redacted] | [Redacted] |  |  | Property Type | Multi Family | Mixed Use | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223949646 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949647 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949647 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949647 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949647 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223949648 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949648 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949649 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949649 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949686 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949686 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223949726 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949726 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223949726 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949726 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223949726 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.23 | 0.77 | Verified | Lease rent $0.00, Market rent=$2,275<br> PITIA: P & I $2,609.33, Taxes $314.11,<br> Hazard $38.08= $2,961.52<br> Used lessor of $2,275/3,855.71=1.30 |
| 223949734 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949734 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Tape Value reflects Modification 'Margin' |
| 223949741 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949741 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949741 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949743 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223949743 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223949743 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949743 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949745 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949745 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223949745 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949912 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223949912 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223949912 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223950032 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223950032 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223950032 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223950032 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223950140 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223950195 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223950977 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223950977 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223950977 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223951044 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223951044 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223951044 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223951044 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223951044 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223951044 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.01 | Verified | DSCR= $6,000/$5,912.32= 1.01483, Due to Rounding |
| 223951083 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223951084 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223951084 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223951084 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223951109 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223951744 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223951744 | [Redacted] | [Redacted] |  |  | Representative FICO | 688 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223952240 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223952240 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223952240 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223952243 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223952243 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223952243 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223952243 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223953017 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953018 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953018 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223953018 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223953018 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223953027 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223953027 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953036 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953113 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953180 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953180 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223953190 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953190 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 30.479 | 28.0884 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223953532 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953532 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223953532 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223953532 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223953647 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953655 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953657 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953657 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.10 | Verified | Due to round off. |
| 223953672 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953672 | [Redacted] | [Redacted] |  |  | Representative FICO | 784 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223953672 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223953673 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953679 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223953679 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953679 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223953679 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223953679 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Due to rounding off. |
| 223953682 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953684 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953685 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953686 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953841 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953842 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223953842 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223953842 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223953842 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223953842 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223953842 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223954085 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223954085 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223954100 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223954100 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223954100 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223954515 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223954516 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223954516 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223954516 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223954535 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955519 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955521 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955522 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955522 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223955526 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223955526 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955526 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223955526 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223955527 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955529 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955530 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955531 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955532 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223955532 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223955532 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955532 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223955533 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955535 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955536 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223955536 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955538 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223955538 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223955538 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955538 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223955538 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223955538 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.37 | Verified | Due to round off. |
| 223955539 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223955539 | [Redacted] | [Redacted] |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223956065 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223956072 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223956072 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223956072 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape field value blank. |
| 223957100 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223957100 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223957100 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223957100 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 1491.9 |  | Verified | Alternate format, not a true discrepancy |
| 223957101 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223957101 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223957101 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223957101 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223957101 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223957101 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223958130 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958131 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958131 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223958131 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223958134 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958134 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223958134 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223958134 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223958140 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958143 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958151 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958266 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958302 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958313 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958313 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.03 | 0.97 | Verified | Due to subject property short term rental income. |
| 223958314 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958314 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.46 | Verified | Considered rental amount from renewed lease agreements. |
| 223958318 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958320 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958321 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958327 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223958327 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958327 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223958507 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958515 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958722 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223958722 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Lender used the CDA value of $664K however more conservative value from 1004 of $663K verified by audit. |
| 223961847 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223961848 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223961848 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223961848 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223961892 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223961892 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223961894 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223961894 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Due to rounding |
| 223961897 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962527 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223962527 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962528 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962528 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223962532 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223962532 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223962532 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962532 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223962532 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.57 | 1.59 | Verified | Due to round off. |
| 223962533 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962533 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223962533 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223962534 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962534 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223962534 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223962534 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223962686 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962686 | [Redacted] | [Redacted] |  |  | Representative FICO | 793 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223962686 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223962686 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223962687 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962726 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223962754 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963486 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963486 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 223963486 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223963524 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963524 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223963524 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223963524 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223963524 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.38 | 1.75 | Verified | Lender used market rent |
| 223963569 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963569 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223963569 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223963578 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223963578 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223963578 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963578 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223963578 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223963578 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223963581 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963581 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223963581 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223963587 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963587 | [Redacted] | [Redacted] |  |  | Representative FICO | 743 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223963587 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223963589 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963623 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963629 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963629 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223963632 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963633 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223963644 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223964673 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223964673 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223964674 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971959 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971959 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223971959 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223971959 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.12 | Verified | Market rent $1,750 used at 100% P&I $1,048.28+ Tax $401.28 + HOI $52.83 + HOA $63.75 = $1,566.14 DSCR is 1.12 |
| 223971969 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223971969 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971974 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971978 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971979 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971980 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971981 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971981 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223971996 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223971996 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223971996 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223972818 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223972818 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223972826 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223972826 | [Redacted] | [Redacted] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223972826 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223972826 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223973599 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223973599 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223973599 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223973599 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223973599 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223973605 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223973605 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223973605 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid tape field blank |
| 223973605 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223973606 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223973606 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223973606 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223973606 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 223973606 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223973609 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223973609 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223973609 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223973609 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223973951 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223973951 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223973951 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223973951 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223973952 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223973952 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223973952 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223973954 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974017 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974017 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223974020 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974020 | [Redacted] | [Redacted] |  |  | Representative FICO | 655 | 690 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223974020 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223974024 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974025 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223974025 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974025 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 49.81 | 47.07401 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223974026 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974028 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974028 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223974028 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223974028 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223974729 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223974729 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974729 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223974729 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223974729 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223974729 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223974736 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223974736 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223974736 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223974736 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223974736 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223974736 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223975453 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223975453 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223975453 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223975456 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223975456 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223975456 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223975456 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223975458 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223975586 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223975586 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Cash Out Refinance of construction |
| 223975586 | [Redacted] | [Redacted] |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223975593 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223975593 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223975593 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223975593 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976945 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223976945 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223976945 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223976945 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 19.207 | 21.2998 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223977275 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977276 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977276 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977283 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977283 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977286 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977286 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 223977288 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977292 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977294 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223977294 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977299 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977299 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977302 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977302 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977302 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977313 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977313 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977313 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977314 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977314 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977314 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223977334 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977334 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977334 | [Redacted] | [Redacted] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223977334 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977336 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977336 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977339 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977341 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977342 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977861 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223977861 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223977861 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977861 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977863 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223977863 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223977863 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977863 | [Redacted] | [Redacted] |  |  | Representative FICO | 785 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223977863 | [Redacted] | [Redacted] |  |  | Property Type | Condo | Single Family Detached | Verified | Field Value reflects the Approval/AUS in file. |
| 223977863 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223977863 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223977865 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977865 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223977865 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Updated from fraud report |
| 223977867 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223977867 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223978345 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978345 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223978345 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Sales price updated from Fraud report. |
| 223978347 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223978347 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978347 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223978347 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223978347 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.20 | Verified | Due to rounding off. |
| 223978349 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978887 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978887 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223978888 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978888 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223978888 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223978888 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Correctly updated |
| 223978888 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223978977 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223978977 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978977 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223978977 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223978981 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223978981 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223978981 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978981 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223978981 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223978981 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223978993 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223978993 | [Redacted] | [Redacted] |  |  | Representative FICO | 794 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223978993 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223979106 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979106 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223979113 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979113 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223979113 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223979140 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223979140 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223979140 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979140 | [Redacted] | [Redacted] |  |  | Representative FICO | 816 | 824 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223979140 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223979140 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223979143 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223979143 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223979143 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979160 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979160 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223979162 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223979162 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223979162 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979162 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223979440 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979440 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223979440 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223979440 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.33 | Verified | Field value reflects source document |
| 223979726 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979728 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979728 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223979728 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223979728 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223979730 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223979730 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223980100 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223980100 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223980100 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223980101 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223980101 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223980101 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223980174 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223980174 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223980174 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223980174 | [Redacted] | [Redacted] |  |  | Representative FICO | 785 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223980174 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223980183 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223980183 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape Field Value not provided |
| 223980380 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223981454 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223981454 | [Redacted] | [Redacted] |  |  | Representative FICO | 776 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223981454 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223981454 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223981454 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223982589 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982589 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223982590 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982590 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223982591 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223982591 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223982591 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982591 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223982595 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982595 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982595 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223982595 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223982595 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223982598 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982614 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982614 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223982614 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223982719 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982719 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223982719 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223982719 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223982724 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982724 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223982728 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982728 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223982728 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223982729 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982729 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223982729 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223982754 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982754 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223982754 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 24.747 | 39.64742 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223982754 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223982908 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223982908 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223983047 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223983047 | [Redacted] | [Redacted] |  |  | Property Type |  | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223983047 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223983048 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223983048 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223983048 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223983049 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223983049 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223983049 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223983049 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223983049 | [Redacted] | [Redacted] |  |  | # of Units | 2 | 1 | Verified | Field value reflects source document |
| 223983049 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223983055 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223983055 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223983069 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223983069 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223983069 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223983069 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223986866 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223986866 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223986866 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid tape field blank |
| 223986866 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223986869 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223986869 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223986869 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987375 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987375 | [Redacted] | [Redacted] |  |  | Representative FICO | 718 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223987375 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223987375 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223987414 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987414 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223987419 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987424 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987424 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223987424 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223987492 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223987492 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987494 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223987494 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223987494 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987494 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223987494 | [Redacted] | [Redacted] |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 223987494 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223987623 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987623 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223987623 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223987623 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223987626 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987627 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987629 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987629 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate |
| 223987629 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223987630 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987630 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223987630 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223987630 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223987631 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987631 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223987631 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223987631 | [Redacted] | [Redacted] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223987631 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223987632 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223987632 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223988812 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223988812 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223988812 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223988812 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223988813 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223988813 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223988813 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223988813 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223989351 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992824 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992824 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No Margin |
| 223992824 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223992824 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223992836 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992836 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223992836 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223992836 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Alternate format, not a true discrepancy |
| 223992836 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223992842 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992852 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992852 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223992852 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No margin |
| 223992854 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992854 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223992854 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Correctly updated |
| 223992854 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223992855 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992855 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223992855 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 34.286 | 50.47839 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223992859 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992859 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223992859 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223992859 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223992860 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992861 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992861 | [Redacted] | [Redacted] |  |  | Representative FICO | 725 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223992862 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992862 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223992863 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223992863 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992863 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223992863 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223992867 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992867 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223992874 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223992874 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223992874 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992874 | [Redacted] | [Redacted] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223992874 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223992874 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223992874 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | No DTI is developed on Asset Qualifier file |
| 223992874 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223992960 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992960 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223992960 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223992960 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223992963 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223992963 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223992963 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992963 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape Field Value is not provided. |
| 223992963 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223992975 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223992975 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223992975 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993090 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993092 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993092 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223993092 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223993092 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223993092 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993143 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993143 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993164 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993164 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 223993164 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993242 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223993242 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993242 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223993411 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993411 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993411 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993411 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223993411 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223993411 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993481 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993481 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223993481 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993488 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993488 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993488 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993488 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223993488 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993491 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993493 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993495 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993504 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993504 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223993504 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993509 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993509 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993509 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993509 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223993509 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223993511 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993526 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 223993526 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993526 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223993526 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223993526 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate Note |
| 223993526 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223993526 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223994058 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994058 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223994058 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223994060 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223994060 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223994060 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994060 | [Redacted] | [Redacted] |  |  | Representative FICO | 776 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223994060 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223994060 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223994060 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 0.97 | 0.96 | Verified | Field value reflects source document |
| 223994063 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994063 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223994063 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223994064 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994075 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994093 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994093 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No Margin |
| 223994093 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223994093 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223994101 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223994101 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223994101 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994101 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223994101 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223994136 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994136 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223994136 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223994139 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994139 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate loan. |
| 223994169 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994169 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223994169 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223994281 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223994281 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223994281 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223994281 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223994281 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223994281 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 65.103 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223994281 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223995065 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223995065 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 223995065 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995065 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate transaction |
| 223995065 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223995065 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 31.537 |  | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223995065 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223995230 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223995230 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995230 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 93.267 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223995230 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.12 | Verified | Considered rent from comparable rent schedule. |
| 223995231 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995231 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223995231 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223995231 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223995231 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | This is DSCR Loan. |
| 223995233 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995233 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223995234 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995236 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995237 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223995237 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223995237 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995237 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223995237 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223995237 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 5008.21 |  | Verified | DSCR Loan |
| 223995239 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995240 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995240 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223995242 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995242 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223995246 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995246 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223995246 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223995246 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223995249 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995249 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223995249 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223995249 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.14 | Verified | Field value reflects source document |
| 223995253 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223995253 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995253 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223995253 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223995429 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995431 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995527 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Security Instrument |
| 223995533 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995533 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223995611 | [Redacted] | [Redacted] |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 223995611 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995611 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223995611 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223995611 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223995619 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995619 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223995619 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 223995619 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 223995623 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995623 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223995623 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223995623 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 37.152 | 39.22235 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223995659 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223995659 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223995659 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape Field Value is not provided. |
| 223995659 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 5.035 |  | Verified | Alternate format, not a true discrepancy |
| 223995659 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223995813 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223995813 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223996885 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223996885 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223996885 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 223997088 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223997088 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223997088 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223997088 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223998155 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223998155 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223998155 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223998167 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223999945 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223999945 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223999945 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 25.675 |  | Verified | DSCR |
| 223999951 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223999951 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 33.053 | 36.4524 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223999960 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223999960 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223999964 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223999964 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223999964 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 3389.75 |  | Verified | This is DSCR Loan. |
| 223999964 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.14 | 1.13 | Verified | Rounded off. |
| 224000004 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000004 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 224000015 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000018 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000021 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000032 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000033 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000037 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224000037 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224000037 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000037 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224000038 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000038 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224000042 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000043 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000043 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224000043 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224000043 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 120.52 |  | Verified | Dscr loan. |
| 224000045 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 224000045 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000052 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224000052 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224000052 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000052 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224000052 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 267.255 |  | Verified | Outside of scope |
| 224000300 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224000300 | [Redacted] | [Redacted] |  |  | Representative FICO | 799 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 224000300 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 45.554 | 42.86914 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 224003663 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224003663 | [Redacted] | [Redacted] |  |  | Representative FICO | 801 | 810 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224004153 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224004153 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224004312 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224004318 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224004318 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224004318 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224004805 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224004805 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | No DTI is developed on Asset Qualifier file |
| 224012513 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224012537 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224012537 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224012537 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224012537 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224013510 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224013510 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224013510 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224013510 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 25.676 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224013510 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224013510 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.09 | Verified | Due to $154.89 (other) which was not provided on file. |
| 224013516 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224013516 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224013516 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224013516 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224013516 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224013516 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224013519 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224013519 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224013519 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224013526 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224013531 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224013531 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed loan |
| 224013531 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224013533 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224013533 | [Redacted] | [Redacted] |  |  | Representative FICO | 780 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224013533 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224013533 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224013533 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224013536 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224013536 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224013536 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224013536 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224013536 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224013536 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224014158 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224014158 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224014158 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224014158 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224014158 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224014247 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224015070 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224015070 | [Redacted] | [Redacted] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224015070 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224015070 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224015705 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224015705 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224015705 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224015705 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 43.033 | 47.7515 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224015705 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224015893 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224015893 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 224015893 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Appraised Value cosnidered from Appraisal report |
| 224015893 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224020234 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224020234 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 224020234 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224020234 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224020236 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Security Instrument |
| 224020236 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224020236 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The bid tape field value was not provided. |
| 224020239 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224020239 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224020239 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Out of scope |
| 224020239 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape Field Value not provided |
| 224020239 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 224020245 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224020245 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224020245 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224020245 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224020319 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224020319 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 45.524 | 49.17312 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224020320 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224020325 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224020325 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224021371 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224021371 | [Redacted] | [Redacted] |  |  | Representative FICO | 726 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224021827 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224021827 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224021827 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224021827 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224021929 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224021929 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224021929 | [Redacted] | [Redacted] |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 224021929 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.41 | 1.42 | Verified | Underwriter has considered the monthly HOI of $246.67 for DSCR calculation. |
| 224021934 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224021940 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224021940 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224021940 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224021941 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224021941 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027274 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027274 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224027274 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224027274 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224027313 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027334 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027334 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224027334 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224027570 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224027570 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027570 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224027570 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224027570 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 445.904 |  | Verified | Alternate format, not a true discrepancy |
| 224027571 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027576 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224027576 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027595 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027596 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027690 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027756 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224027756 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224027756 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224027756 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224027756 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR Loan. |
| 224033909 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224033909 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224033909 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224033909 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224033909 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224033909 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224034437 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224034437 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224034437 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224034437 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 224034437 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR loan |
| 224034437 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.95 | 2.05 | Verified | Field value reflects source document |
| 224034441 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224039023 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224039023 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224039023 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224039023 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.16 | Verified | DSCR calculated with lease amount of $9,000 however, UW calculated DSCR with market rent.<br>Lease amount $9,000.00<br> Market rent: $15,000.00<br> PITIA: P&I $11,812.50, Taxes $656.34, Hazard $428.83= $12,897.67<br> Used lesser of $15,000.00/ $12,897.67= 1.16 |
| 224039087 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224039087 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.32 | Verified | Rent is $3,250.00, Monthly PITIA $2,465.31. DSCR=1.3182 |
| 224039096 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224039104 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224039104 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224039104 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224039104 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224039107 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224039107 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224039107 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224039499 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224039499 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224046870 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224046870 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224046870 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 114.527 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224046870 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.75 | 2.00 | Verified | Underwriter has considered the monthly rental income for unit # 1 as $1,650 for DSCR calculation. |
| 224046890 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224046890 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224046890 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224046890 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224046890 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance Transaction |
| 224046890 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 137.568 |  | Verified | DSCR Loan |
| 224046894 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224046894 | [Redacted] | [Redacted] |  |  | Representative FICO | 756 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224046894 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224046894 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224046894 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224046901 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224046901 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224046901 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224046901 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224046901 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance transaction |
| 224046901 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224046927 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224046927 | [Redacted] | [Redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224046941 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224046941 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224046941 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224046941 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224048107 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224048107 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 22.125 | 19.1119 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 224048136 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224048163 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224048215 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224055190 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224055741 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224058137 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224058137 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224058137 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 437.02 |  | Verified | Alternate format, not a true discrepancy |
| 224058137 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224058845 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224063740 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224063740 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224063740 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224063740 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224065014 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224065014 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224065014 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 1698.12 |  | Verified | Alternate format, not a true discrepancy |
| 224065020 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224065021 | [Redacted] | [Redacted] |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| 224065021 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224065021 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate loan |
| 224065274 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224065274 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224065274 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224065274 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224065274 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224065274 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 751.726 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224065302 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224065302 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224065302 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed Note loan. |
| 224065302 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 259.372 |  | Verified | DSCR loan. |
| 224065318 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224065318 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance file. |
| 224065318 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 8241.71 |  | Verified | DSCR file. |
| 224065318 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | PITIA: P&I $6,737.18, Taxes $1,636.79, Hazard $71.09, HOA $1,510.00 = $9,955.06. Used rent $10,000.00 / PITIA 9,955.06 = 1.00 |
| 224066185 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224066513 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224066513 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224066513 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224066620 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224083285 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224083285 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224083352 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224083352 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224083352 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid tape field value not provided |
| 224083931 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224083931 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224083931 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224083931 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 2346.42 |  | Verified | DSCR Loan. |
| 224089532 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224089532 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Fixed rate |
| 224089532 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224101460 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224101460 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224101460 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224101462 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224101464 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224101465 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224101465 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224101465 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224101465 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224101465 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224113475 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224113475 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 224113475 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape Field Value blank. |
| 224113475 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 224115602 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224115602 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224115602 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224118154 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224118154 | [Redacted] | [Redacted] |  |  | Original LTV | 50 | 45.45455 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 224118154 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224133239 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224133239 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224133239 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224133239 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224133239 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 960.467 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 224136454 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224136454 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | No Margin |
| 224136454 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 224136456 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224136456 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224136456 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Bid Tape Field Value is not provided. |
| 224138532 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224140037 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224140037 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 224140037 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224140037 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | No DTI developed on Asset Qualifier file |
| 224140037 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224144059 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224144059 | [Redacted] | [Redacted] |  |  | # of Units | 1 | 4 | Verified | Field value reflects source document |
| 224159579 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224159579 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224159579 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224159579 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR Loan |
| 224159579 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224159579 | [Redacted] | [Redacted] |  |  | Subject Debt Service Coverage Ratio | 1.99 | 2.07 | Verified | Field value reflects source document |
| 224161543 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224161543 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224161543 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224161543 | [Redacted] | [Redacted] |  |  | Representative FICO | 733 | 780 | Verified | Field Value reflects the highest middle score amongst all Applicants on the loan |
| 224161543 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Note loan. |
| 224161543 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 480.368 |  | Verified | DSCR loan. |
| 224162486 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224190198 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224190198 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224190198 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224190198 | [Redacted] | [Redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224190198 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224190198 | [Redacted] | [Redacted] |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224197179 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224197179 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224197179 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224197179 | [Redacted] | [Redacted] |  |  | Representative FICO | 727 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224197179 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224197179 | [Redacted] | [Redacted] |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
| 224213519 | [Redacted] | [Redacted] |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224213519 | [Redacted] | [Redacted] |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224213519 | [Redacted] | [Redacted] |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224213519 | [Redacted] | [Redacted] |  |  | Margin | 0 |  | Verified | This is Fixed Interest Rate Loan. |
| 224213519 | [Redacted] | [Redacted] |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| 224213519 | [Redacted] | [Redacted] |  |  | Investor: Qualifying Total Debt Ratio | 1159.78 |  | Verified | This is DSCR Loan. |

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